Buchanan County property record for 2707 Clay St, Saint Joseph, MO 64501
| Property Type | Single Family Home |
|---|---|
| Details | 2,810 sqft · built 1959 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,894 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Apr 2023 Second Mortgage + 2 more |
| APN | 06-2.0-09-001-004-041.000 |
| Primary APN | 06-2.0-09-001-004-041.000 |
|---|
| Building Area | 2,810 sqft Base Area |
|---|---|
| 1st Floor Area | 2,810 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Lot Area | 37,897 sqft (0.87 acres) |
| Lot Dimensions | 279 ft deep x 135 ft wide |
| Street Address | 2707 CLAY ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64501-2629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:FRANCE'S EASTERN EXTENSION LOT:1 BLK:77LGL DESC:E 120' OF LOTS 1 & 2 ALL LOTS 6 & 7 ALSO E 10' OF W 150' LOT 2 EX N 9' E 10' LOT 3 E 10' OF N 35' OF E 15' OF S 15' LOT 4 E 15' LOT 5 |
| Legal Subdivision | FRANCES EASTERN EXTENSION |
| Legal Block | 77 |
| Legal Lot Number | 1-7 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 5 |
| Census Block | 5030 |
| Census Tract | 900 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2023 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Apr 3, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK |
| Apr 15, 2022 | Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Dec 12, 2017 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2017 |
| Deed Sale | Dec 12, 2017 |
| Prior Sale | May 31, 2011 · Amount on Record |
| Deed Document Number | 201712218 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Document Number | 003785/857 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 3785/857 |
| Instrument | 2023002355 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 27, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Transaction Type | Mortgage |
| Record Updated | Apr 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Document Number | 003785/787 |
|---|---|
| Date | Apr 3, 2023 |
| Book Page | 3785/787 |
| Instrument | 2023002283 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 263 Months |
| Due | Mar 27, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Apr 15, 2022 |
| Property Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Document Number | 003774/962 |
| Book / Page | 3774 / 962 |
| Instrument Date | Apr 15, 2022 |
| Instrument | 2022003553 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Dec 12, 2017 |
| Property Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
| Document Number | 2017012218 |
| Instrument Date | Dec 12, 2017 |
| Instrument | 2017012218 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2707 CLAY ST, SAINT JOSEPH, MO 64501-2629 |
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 | $2,894.00 | $40,560 (+1.94%) Land $3,990 Building $36,570 | $213,480 (+1.95%) Land $21,000 Building $192,480 |
| 2024 | $2,894.00 (+11.35%) | ||
| 2023 | $2,599.00 (-0.69%) | $39,790 (-) Land $3,990 Building $35,800 | $209,400 (-) Land $21,000 Building $188,400 |
| 2022 | $2,617.00 | $39,790 Land $3,990 Building $35,800 | |
| 2021 | $209,400 Land $21,000 Building $188,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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