2816 Lovers Ln, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 2816 Lovers Ln, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,814 sqft · built 1960
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$271,700 (Sep 2016)
Tax Bill	$3,090 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2022 Mortgage + 3 more
APN	`03-8.0-34-003-003-023.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-003-023.000`

Interior

Building Area	2,814 sqft Base Area
1st Floor Area	2,814 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	210 ft deep x 119 ft wide

Location & Zoning

Street Address	2816 LOVERS LN
City	SAINT JOSEPH
State	MO
Zip	64506-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	34-58-35SWSUB: LOT: BLK:LGL DESC:BEG AT SE INT OF LOVERS LN & MILLER RD TH NELY 132' FOR POB TH S 01 DEG 31' E TO PT 210' S OF S/L OF LOVERS LN TH DUE E 119.88' TH N 01 DEG 31' W 250' TH SWLY 125' TO POB
Legal Range	35W
Legal Township	58N
Legal Section	34
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2013
Census Tract	200

Owner

2816 Lovers Ln is owned and occupied by two individuals who bought it in September 2016.

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	2 Individual Names on File
Mailing Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Aug 18, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Apr 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 22, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2016 · Amount on File
Deed Sale	Sep 29, 2016 · Amount on File
Deed Document Number	201610073
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	ADVANTAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524

Mortgage

Document Number	003812/700
Date	Oct 21, 2025
Book Page	3812/700
Instrument	2025008777

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524

Mortgage

Document Number	003779/339
Date	Aug 18, 2022
Book Page	3779/339
Instrument	2022007957

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jan 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524

Mortgage

Document Number	003775/243
Date	Apr 22, 2022
Book Page	3775/243
Instrument	2022003835

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524

Mortgage

Document Number	3760/81
Date	Mar 22, 2021
Book Page	3760/81
Instrument	2021002726

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Jan 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2816 LOVERS LN, SAINT JOSEPH, MO 64506-1524
Transaction Type	Mortgage
Record Updated	Jan 29, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3744/497
Date	Dec 18, 2019
Book Page	3744/497
Instrument	2019010956

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2816 Lovers Ln was $3,090, up % from the year before.

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	$3,090.00 (+0.03%)	$43,200 Land $5,710 Building $37,490	$227,350 Land $30,060 Building $197,290
2024	$3,089.00 (+27.64%)
2023	$2,420.00 (-0.66%)	$36,890 (-) Land $5,710 Building $31,180	$194,160 Land $30,060 Building $164,100
2022	$2,436.00	$36,890 Land $5,710 Building $31,180
2021			$194,160 Land $30,060 Building $164,100

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.

Flood

FEMA has no flood map on file for 2816 Lovers Ln; 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 2816 Lovers Ln is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lovers Ln

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