2402 Pear St, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 2402 Pear St, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	863 sqft · built 1902
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$148,755 (Sep 2023)
Tax Bill	$748 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Apr 2020 Mortgage + 1 more
APN	`06-5.0-21-004-002-046.000`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-21-004-002-046.000`

Interior

Building Area	863 sqft Base Area
1st Floor Area	863 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	2402 PEAR ST
City	SAINT JOSEPH
State	MO
Zip	64503-3249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:GARFIELD PLACE LOT:B BLK:1LGL DESC:S 200' L B
Legal Subdivision	GARFIELD PLACE
Legal Block	1
Legal Lot Number	B
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2022
Census Tract	1800

Owner

2402 Pear St is owned and occupied by two individuals who bought it in September 2023.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2402 PEAR ST, SAINT JOSEPH, MO 64503-3249
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Jun 30, 2017	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on File
Deed Sale	Sep 14, 2023 · Amount on File
Prior Sale	Jun 30, 2017 · Amount on File
Deed Document Number	20237261
Deed Book / Page	3790 / 713
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 14, 2023
Property Address	2402 PEAR ST, SAINT JOSEPH, MO 64503-3249
Document Number	003790/713
Book / Page	3790 / 713
Instrument Date	Sep 12, 2023
Instrument	2023007261
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2402 PEAR ST, SAINT JOSEPH, MO 64503-3249

Mortgage

Document Number	2023007262
Date	Sep 14, 2023
Instrument	2023007262

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2402 PEAR ST, SAINT JOSEPH, MO 64503-3249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3747/477
Date	Apr 6, 2020
Book Page	3747/477
Instrument	2020002623

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 30, 2017
Property Address	2402 PEAR ST, SAINT JOSEPH, MO 64503-3249
Document Number	2017006217
Instrument Date	Jun 29, 2017
Instrument	2017006217
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2402 PEAR ST, SAINT JOSEPH, MO 64503-3249

Mortgage

Document Number	2017006218
Date	Jun 30, 2017
Instrument	2017006218

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2402 Pear St was $748.

Source: Buchanan County assessment roll, as of November 4, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Buchanan County
Municipality	St. Joseph City
Unified School District	St. Joseph School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$748.00	$10,360 Land $2,850 Building $7,510	$54,510 Land $15,000 Building $39,510
2024	$748.00 (+13.16%)
2023	$661.00 (-0.6%)	$9,980 (-) Land $2,850 Building $7,130	$52,500 Land $15,000 Building $37,500
2022	$665.00	$9,980 Land $2,850 Building $7,130
2021			$52,500 Land $15,000 Building $37,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 2402 Pear St; there have been 4 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1982–1984)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Jun 1984 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2402 Pear St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST JOSEPH private · serves 89,171 people · EPA ID MO1010714
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Metronet, T-Mobile, Verizon.

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