2705 Karnes Rd, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2705 Karnes Rd, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	2,064 sqft · built 1930
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Tax Bill	$1,498 (2025)
Deeds & Mortgages	Feb 2006 Mortgage Dec 2022 Line of Credit
APN	`03-8.0-33-001-000-078.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-33-001-000-078.000`

Interior

Building Area	2,064 sqft Base Area
1st Floor Area	2,064 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	150 ft deep x 80 ft wide

Location & Zoning

Street Address	2705 KARNES RD
City	SAINT JOSEPH
State	MO
Zip	64505-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	33-58-35NESUB: LOT: BLK:LGL DESC:BEG AT PT 535' W OF SE COR NE4 N 170' W 80' S 170' E 80' TO BEG EX S 20' FOR RD R/W
Legal Range	35W
Legal Township	58N
Legal Section	33
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2010
Census Tract	200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2705 KARNES RD, SAINT JOSEPH, MO 64505-1522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2006	Deed of Trust, Mortgage · Conventional Mortgage BANK MIDWEST NA
Dec 28, 2022	Warranty Deed, Transfer · Line of Credit INDEPENDENT FARMERS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2024
Deed Sale	Oct 11, 2024
Prior Sale	Dec 28, 2022 · Amount on Record
Deed Document Number	20248257
Deed Book / Page	3801 / 815
Record Updated	Sep 20, 2026

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2705 KARNES RD, SAINT JOSEPH, MO 64505-1522
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02870/0647
Date	Feb 2, 2006
Book Page	2870/0647
Instrument	2006001489

Lender

Name	BANK MIDWEST NA
Type	Bank
Address	SAINT JOSEPH, MO 64506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Dec 28, 2022
Property Address	2705 KARNES RD, SAINT JOSEPH, MO 64505-1522
Document Number	003783/421
Book / Page	3783 / 421
Instrument Date	Dec 28, 2022
Instrument	2022012072
Transaction Type	Transfer
Record Updated	Apr 3, 2026
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	2705 KARNES RD, SAINT JOSEPH, MO 64505-1522

Mortgage

Document Number	2022012073
Date	Dec 28, 2022
Instrument	2022012073

Lender

Name	INDEPENDENT FARMERS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2052

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	$1,498.00 (+0.07%)	$20,800 (+5.64%) Land $4,790 Building $16,010	$109,470 (+5.66%) Land $25,200 Building $84,270
2024	$1,497.00 (+15.15%)
2023	$1,300.00 (-0.69%)	$19,690 (-) Land $4,790 Building $14,900	$103,610 (-) Land $25,200 Building $78,410
2022	$1,309.00	$19,690 Land $4,790 Building $14,900
2021			$103,610 Land $25,200 Building $78,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 94% 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 259 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
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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