2714 Karnes Rd, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2714 Karnes Rd, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,359 sqft · built 1967
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Feb 2017)
Tax Bill	$1,574 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2019 Mortgage + 4 more
APN	`03-8.0-33-004-001-001.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-33-004-001-001.000`

Interior

Building Area	1,359 sqft Base Area
1st Floor Area	1,359 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	130 ft deep x 80 ft wide

Location & Zoning

Street Address	2714 KARNES RD
City	SAINT JOSEPH
State	MO
Zip	64505-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:KARNES ADDITION LOT:17 BLK:LGL DESC:E 80'
Legal Subdivision	KARNES ADDITION
Legal Lot Number	17
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2011
Census Tract	200

Owner

2714 Karnes Rd is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2022	Deed of Trust, Mortgage · Line of Credit UNITED CONSUMERS CU
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED CONSUMERS CU
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED CONSUMERS CU
May 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED CONSUMERS CU
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED CONSUMERS CU
Feb 10, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2017 · Amount on File
Deed Sale	Feb 10, 2017 · Amount on File
Prior Sale	Jul 28, 2011
Deed Document Number	20171246
Prior Transfer Date	Aug 24, 2005
Prior Transfer Doc	2827/0415
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523
Transaction Type	Mortgage
Record Updated	Sep 13, 2022
Title Company	FIRST AMERICAN TTL INS COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523

Mortgage

Document Number	003779/788
Date	Aug 31, 2022
Book Page	3779/788
Instrument	2022008408

Lender

Name	UNITED CONSUMERS CU
Type	Credit Union
Address	INDEPENDENCE, MO 64055

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3744/216
Date	Dec 6, 2019
Book Page	3744/216
Instrument	2019010674

Lender

Name	UNITED CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3746/109
Date	Feb 20, 2020
Book Page	3746/109
Instrument	2020001248

Lender

Name	UNITED CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3737/302
Date	May 9, 2019
Book Page	3737/302
Instrument	2019003717

Lender

Name	UNITED CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	ST JOSEPH TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523

Mortgage

Document Number	3765/217
Date	Jul 27, 2021
Book Page	3765/217
Instrument	2021007891

Lender

Name	UNITED CONSUMERS CU
Type	Credit Union
Address	INDEPENDENCE, MO 64055

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 10, 2017
Property Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523
Document Number	2017001246
Instrument Date	Feb 7, 2017
Instrument	2017001246
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2714 KARNES RD, SAINT JOSEPH, MO 64505-1523

Mortgage

Document Number	2017001247
Date	Feb 10, 2017
Instrument	2017001247

Lender

Name	UNITED CONSUMERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2714 Karnes Rd was $1,574.

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	$1,574.00	$21,900 Land $4,450 Building $17,450	$115,300 Land $23,440 Building $91,860
2024	$1,574.00 (+15.48%)
2023	$1,363.00 (-0.66%)	$20,680 (-) Land $4,450 Building $16,230	$108,880 Land $23,440 Building $85,440
2022	$1,372.00	$20,680 Land $4,450 Building $16,230
2021			$108,880 Land $23,440 Building $85,440

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.

Flood

FEMA has no flood map on file for 2714 Karnes Rd; 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

Wildfire risk around 2714 Karnes Rd 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 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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