Buchanan County property record for 2702 Clay St, Saint Joseph, MO 64501
| Property Type | Single Family Home |
|---|---|
| Details | 1,955 sqft · built 1968 |
| Lot Size | 0.213 acres (9,311 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $144,300 (Jun 2021) |
| Tax Bill | $1,972 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2020 Line of Credit |
| APN | 06-2.0-09-001-004-049.000 |
| Primary APN | 06-2.0-09-001-004-049.000 |
|---|
| Building Area | 1,955 sqft Base Area |
|---|---|
| 1st Floor Area | 1,955 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Lot Area | 9,311 sqft (0.213 acres) |
| Lot Dimensions | 132 ft deep x 70.5 ft wide |
| Street Address | 2702 CLAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64501-2630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:FRANCE'S EASTERN EXTENSION LOT:1 BLK:76LGL DESC:& LOT 10 EX E 40' |
| Legal Subdivision | FRANCES EASTERN EXTENSION |
| Legal Block | 76 |
| Legal Lot Number | 1,10 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 900 |
2702 Clay St is owned and occupied by two individuals who bought it in June 2021.
Source: Buchanan County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2702 CLAY ST, SAINT JOSEPH, MO 64501-2630 |
| 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.
| Date | Document |
|---|---|
| Jun 7, 2021 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| May 13, 2020 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2021 · Amount on File |
| Deed Sale | Jun 7, 2021 · Amount on File |
| Deed Document Number | 20215870 |
| Deed Book / Page | 3763 / 206 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 7, 2021 |
| Property Address | 2702 CLAY ST, SAINT JOSEPH, MO 64501-2630 |
| Document Number | 3763/206 |
| Book / Page | 3763 / 206 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 2021005870 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2702 CLAY ST, SAINT JOSEPH, MO 64501-2630 |
| Document Number | 2021005871 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 2021005871 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2702 CLAY ST, SAINT JOSEPH, MO 64501-2630 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2020 |
| Name | Verified Name |
|---|
| Document Number | 3748/524 |
|---|---|
| Date | May 13, 2020 |
| Book Page | 3748/524 |
| Instrument | 2020003673 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2702 Clay St was $1,972, up 0.1% from the year before.
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,972.00 (+0.05%) | $27,640 Land $2,570 Building $25,070 | $145,470 Land $13,500 Building $131,970 |
| 2024 | $1,971.00 (+19.09%) | ||
| 2023 | $1,655.00 (-0.66%) | $25,330 (-) Land $2,570 Building $22,760 | $133,300 Land $13,500 Building $119,800 |
| 2022 | $1,666.00 | $25,330 Land $2,570 Building $22,760 | |
| 2021 | $133,300 Land $13,500 Building $119,800 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA has no flood map on file for 2702 Clay St; 1 flood insurance policy is in force nearby.
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 | 1 in force |
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 risk around 2702 Clay 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 98% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 530 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| United Fiber Fiber | 1,000 / 1,000 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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