2804 Karnes Rd, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 2804 Karnes Rd, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	924 sqft · built 1932
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$109,500 (Jun 2017)
Tax Bill	$934 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2017 Mortgage
APN	`03-8.0-34-003-002-020.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-002-020.000`

Interior

Building Area	924 sqft Base Area
1st Floor Area	924 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Lot Area	27,878 sqft (0.64 acres)
Lot Dimensions	278 ft deep x 100 ft wide

Location & Zoning

Street Address	2804 KARNES RD
City	SAINT JOSEPH
State	MO
Zip	64506-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	34-58-35SWSUB: LOT: BLK:LGL DESC:PT OF L 1 MATNEY'S SUB-DIV BEG NW COR OF 1/4 SEC TH E 120.20' S 20' TO POB TH S 278.68' E 100.2' N 280' W 100' TO POBB
Legal Range	35W
Legal Township	58N
Legal Section	34
Legal Subdivision	MATNEYS SUB-DIV
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2012
Census Tract	200

Owner

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	Individual Name on Record
Mailing Address	2804 KARNES RD, SAINT JOSEPH, MO 64506-1305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jun 14, 2017	Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2017 · Amount on Record
Deed Sale	Jun 14, 2017 · Amount on Record
Prior Sale	Feb 19, 2009 · Amount on Record
Deed Document Number	20175580
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2804 KARNES RD, SAINT JOSEPH, MO 64506-1305
Transaction Type	Mortgage
Record Updated	Dec 7, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 KARNES RD, SAINT JOSEPH, MO 64506-1305

Mortgage

Document Number	003760/893
Date	Apr 12, 2021
Book Page	3760/893
Instrument	2021003544

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	KANSAS CITY, MO 64116

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2051

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 14, 2017
Property Address	2804 KARNES RD, SAINT JOSEPH, MO 64506-1305
Document Number	2017005580
Instrument Date	Jun 13, 2017
Instrument	2017005580
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2804 KARNES RD, SAINT JOSEPH, MO 64506-1305

Mortgage

Document Number	2017005581
Date	Jun 14, 2017
Instrument	2017005581

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Fixed Rate

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	$934.00 (+0.11%)	$12,770 (+6.06%) Land $5,730 Building $7,040	$67,250 (+6.11%) Land $30,180 Building $37,070
2024	$933.00 (+15.33%)
2023	$809.00 (-0.61%)	$12,040 (-) Land $5,730 Building $6,310	$63,380 (-) Land $30,180 Building $33,200
2022	$814.00	$12,040 Land $5,730 Building $6,310
2021			$63,380 Land $30,180 Building $33,200

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

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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