2408 N 3rd St, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2408 N 3rd St, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	785 sqft · built 1916
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$250,279 (May 2026)
Tax Bill	$624 (2025)
Deeds & Mortgages	Jul 2006 Mortgage Nov 2008 Mortgage + 4 more
APN	`06-3.0-05-002-002-072.000`

Property Details

APN / Parcel Number

Primary APN	`06-3.0-05-002-002-072.000`

Interior

Building Area	785 sqft Base Area
1st Floor Area	785 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	130 ft deep x 50 ft wide

Location & Zoning

Street Address	2408 N 3RD ST
City	SAINT JOSEPH
State	MO
Zip	64505-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:BOYER AND BOWEN'S LOT:11 BLK:7LGL DESC:
Legal Subdivision	BOYER AND BOWENS
Legal Block	7
Legal Lot Number	11
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1042
Census Tract	300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2006	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Nov 12, 2008	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
May 12, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
May 12, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Feb 3, 2025	Personal Representative Deed, Transfer ST JOSEPH TITLE LLC
Jun 1, 2015	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Prior Sale	Feb 3, 2025 · Amount on Record
Deed Document Number	20263682
Deed Book / Page	3818 / 455
Record Updated	Oct 29, 2026

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011
Transaction Type	Mortgage
Record Updated	May 27, 2026
Title Company	DRI TITLE AND ESCROW, DRI TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02916/0393
Date	Jul 17, 2006
Book Page	2916/0393
Instrument	2006010320

Lender

Name	PHH MORTGAGE SERVICES CORP
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2026

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	03110/0334
Date	Nov 12, 2008
Book Page	3110/0334
Instrument	2008014319

Lender

Name	PHH MORTGAGE SERVICES CORP
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2038

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 12, 2026
Property Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011
Document Number	0000003682
Book / Page	3818 / 455
Instrument Date	May 11, 2026
Instrument	2026.3682
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	ST JOSEPH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011

Mortgage

Document Number	0000003683,
Date	May 12, 2026
Instrument	2026..3683

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000003684,
Date	May 12, 2026
Book Page	3818/457
Instrument	2026.3684

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION

Agreement

Amount	Amount Recorded

Interest

Rate	6.38%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 12, 2026
Property Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011
Document Number	003818/455
Book / Page	3818 / 455
Instrument Date	May 11, 2026
Instrument	20263682
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C, ST JOSEPH TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011

Mortgage

Document Number	0000003683,
Date	May 12, 2026
Instrument	20263683

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000003684,
Date	May 12, 2026
Book Page	3818/457
Instrument	20263684

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

February 2025: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 3, 2025
Property Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011
Document Number	003804/859
Book / Page	3804 / 859
Instrument Date	Feb 3, 2025
Instrument	2025000839
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1528 MITCHELL AVE, SAINT JOSEPH, MO 64503-2541

June 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 1, 2015
Property Address	2408 N 3RD ST, SAINT JOSEPH, MO 64505-2011
Document Number	2015005359
Instrument Date	May 29, 2015
Instrument	2015005359
Transaction Type	Transfer
Record Updated	May 27, 2026
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

Mortgage

Document Number	2015005360
Date	Jun 1, 2015
Instrument	2015005360

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$624.00 (+0.16%)	$8,730 (+6.59%) Land $970 Building $7,760	$45,960 (+6.64%) Land $5,120 Building $40,840
2024	$623.00 (+16.45%)
2023	$535.00 (-0.74%)	$8,190 (-) Land $970 Building $7,220	$43,100 (-) Land $5,120 Building $37,980
2022	$539.00	$8,190 Land $970 Building $7,220
2021			$43,100 Land $5,120 Building $37,980

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

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 499 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: United Fiber.

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