Buchanan County property record for 2806 Charles St, Saint Joseph, MO 64501
| Property Type | Single Family Home |
|---|---|
| Details | 995 sqft · built 1927 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $84,500 (Sep 2019) |
| Tax Bill | $1,096 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Sep 2019 Mortgage |
| APN | 06-2.0-10-003-003-056.000 |
| Primary APN | 06-2.0-10-003-003-056.000 |
|---|
| Building Area | 995 sqft Base Area |
|---|---|
| 1st Floor Area | 995 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 112 ft deep x 50 ft wide |
| Street Address | 2806 CHARLES ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64501-3339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:BROOKDALE ADDITION LOT:3 BLK:19LGL DESC: |
| Legal Subdivision | BROOKDALE ADDITION |
| Legal Block | 19 |
| Legal Lot Number | 3 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2009 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 2806 CHARLES ST, SAINT JOSEPH, MO 64501-3339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Sep 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2019 · Amount on Record |
| Deed Sale | Sep 27, 2019 · Amount on Record |
| Prior Sale | Dec 31, 2008 · Amount on Record |
| Deed Document Number | 20198290 |
| Deed Book / Page | 3741 / 845 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2806 CHARLES ST, SAINT JOSEPH, MO 64501-3339 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Address | 2806 CHARLES ST, SAINT JOSEPH, MO 64501-3339 |
| Document Number | 003772/534 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 3772/534 |
| Instrument | 2022001103 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Sep 27, 2019 |
| Property Address | 2806 CHARLES ST, SAINT JOSEPH, MO 64501-3339 |
| Document Number | 003741/845 |
| Book / Page | 3741 / 845 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 2019008290 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | PREFERRED TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2806 CHARLES ST, SAINT JOSEPH, MO 64501-3339 |
| Document Number | 003741/846 |
|---|---|
| Date | Sep 27, 2019 |
| Book Page | 3741/846 |
| Instrument | 2019008291 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $1,096.00 | $15,290 (+6.4%) Land $2,570 Building $12,720 | $80,450 (+6.42%) Land $13,500 Building $66,950 |
| 2024 | $1,096.00 (+16.1%) | ||
| 2023 | $944.00 (-0.63%) | $14,370 (-) Land $2,570 Building $11,800 | $75,600 (-) Land $13,500 Building $62,100 |
| 2022 | $950.00 | $14,370 Land $2,570 Building $11,800 | |
| 2021 | $75,600 Land $13,500 Building $62,100 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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 669 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 |
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