2521 Excello Dr, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 2521 Excello Dr, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,229 sqft · built 1927
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Individual Names on File
Last Sale	$120,856 (Apr 2026)
Tax Bill	$798 (2025)
Deeds & Mortgages	Jan 2005 Mortgage Mar 2007 Mortgage + 3 more
APN	`06-8.0-28-001-000-064.000`

Property Details

APN / Parcel Number

Primary APN	`06-8.0-28-001-000-064.000`

Interior

Building Area	1,229 sqft Base Area
1st Floor Area	1,229 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	80,150 sqft (1.84 acres)

Location & Zoning

Street Address	2521 EXCELLO DR
City	SAINT JOSEPH
State	MO
Zip	64503-3330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:EXCELLO SUB-DIVISION LOT:57 BLK:LGL DESC:& LOT 58 EX THAT PART FOR RD R/W
Legal Subdivision	EXCELLO SUB-DIVISION
Legal Lot Number	57-58
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1024
Census Tract	2100

Owner

2521 Excello Dr is owned and occupied by two individuals who bought it in April 2026.

Source: Buchanan County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jan 6, 2005	Deed of Trust, Mortgage · ARM MICHIGAN FIDELITY ACCEPTANCE CORP
Mar 8, 2007	Deed of Trust, Mortgage · FHA Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Apr 27, 2026	Warranty Deed, Transfer · FHA Mortgage PRIME LENDING
Sep 9, 2013	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Nov 4, 2008	Warranty Deed, Transfer · FHA Mortgage GOLD STAR HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on File
Deed Sale	Apr 27, 2026 · Amount on File
Prior Sale	Sep 9, 2013 · Amount on File
Deed Document Number	20263182
Deed Book / Page	3817 / 963
Record Updated	Oct 29, 2026

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330
Transaction Type	Mortgage
Record Updated	May 13, 2026
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TITLE OF ST JOSEPH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02757/0549
Date	Jan 6, 2005
Book Page	2757/0549
Instrument	2005000229

Lender

Name	MICHIGAN FIDELITY ACCEPTANCE CORP
Type	Subprime Lender
Address	SOUTHFIELD, MI 48075

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	7.9%
Type Change Date	Feb 1, 2007
Change Frequency	6 Months
Min Rate At Change	7.9%
Max Rate At Change	10.9%
Index	6-Month LIBOR
Max Rate	14.9%

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330
Transaction Type	Mortgage
Record Updated	May 13, 2026
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TITLE OF ST JOSEPH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02977/0607
Date	Mar 8, 2007
Book Page	2977/0607
Instrument	2007003179

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2037

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 27, 2026
Property Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330
Document Number	0000003182
Book / Page	3817 / 963
Instrument Date	Apr 23, 2026
Instrument	20263182
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	ADVANTAGE INT'L TITLE LLC, ADVANTAGE TITLE LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330

Mortgage

Document Number	003817/964,
Date	Apr 27, 2026
Book Page	3817/964
Instrument	20263183

Lender

Name	PRIME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

September 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 9, 2013
Property Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330
Document Number	03426/0919
Book / Page	3426 / 0919
Instrument Date	Sep 5, 2013
Instrument	2013011004
Transaction Type	Transfer
Record Updated	May 12, 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
Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330

Mortgage

Document Number	2013011005
Date	Sep 9, 2013
Instrument	2013011005

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2043

November 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Nov 4, 2008
Property Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330
Document Number	03109/0058
Book / Page	3109 / 0058
Instrument Date	Oct 31, 2008
Instrument	2008013998
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	ADVANTAGE TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2521 EXCELLO DR, SAINT JOSEPH, MO 64503-3330

Mortgage

Document Number	03109/0060
Date	Nov 4, 2008
Book Page	3109/0060
Instrument	2008013999

Lender

Name	GOLD STAR HOME MORTGAGE LLC
Address	SAINT JOSEPH, MO 64506

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 2521 Excello Dr was $798, up 0.1% from the year before.

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	$798.00 (+0.13%)	$11,060 Land $2,760 Building $8,300	$58,180 Land $14,500 Building $43,680
2024	$797.00 (+15.01%)
2023	$693.00 (-0.57%)	$10,480 (-) Land $2,760 Building $7,720	$55,140 Land $14,500 Building $40,640
2022	$697.00	$10,480 Land $2,760 Building $7,720
2021			$55,140 Land $14,500 Building $40,640

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 2521 Excello Dr; there have been 7 flood claims nearby since 1981.

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	5 in force
Nearby Flood Claims	7 (1981–1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 6 claims

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 2521 Excello Dr is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.07% 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 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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