2817 Lovers Ln, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 2817 Lovers Ln, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	3,018 sqft · built 1956
Lot Size	0.84 acres (36,590 sqft)
Owner	Company Name on Record
Last Sale	$275,700 (Apr 2019)
Tax Bill	$2,562 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2019 Mortgage + 2 more
APN	`03-8.0-34-003-002-030.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-002-030.000`

Interior

Building Area	3,018 sqft Base Area
1st Floor Area	3,018 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	36,590 sqft (0.84 acres)
Lot Dimensions	305 ft deep x 120 ft wide

Location & Zoning

Street Address	2817 LOVERS LN
City	SAINT JOSEPH
State	MO
Zip	64506-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	34-58-35SWSUB: LOT: BLK:LGL DESC:MATNEY'S SUB-DIVISION PART LOT 10 BEG AT PT 812' S & 261' E OF NE COR SW4 TH S PARL WITH W/L SD 1/4 SEC TO C/L OF LO VERSLANE TH N 71 DEG 56'30 E 1441' N WLY 90' N 174.25' TH W 1201' TO POB
Legal Range	35W
Legal Township	58N
Legal Section	34
Legal Subdivision	MATNEYS SUB-DIVISION
Legal Lot Number	10
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2012
Census Tract	200

Owner

Source: Buchanan County records, as of November 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jan 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage NODAWAY VALLEY BANK
Apr 16, 2019	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MTG CORP
Apr 16, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2019 · Amount on Record
Deed Sale	Apr 16, 2019 · Amount on Record
Prior Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	20192973
Deed Book / Page	3734 / 821
Prior Transfer Date	Apr 15, 2019
Prior Transfer Doc	003734/821
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523

Mortgage

Document Number	003757/210
Date	Dec 30, 2020
Book Page	3757/210
Instrument	2020012406

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003723/511
Date	Jan 23, 2019
Book Page	3723/511
Instrument	2019000507

Lender

Name	NODAWAY VALLEY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 16, 2019
Property Address	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Document Number	003734/798
Book / Page	3734 / 798
Instrument Date	Apr 15, 2019
Instrument	2019002971
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523

Mortgage

Document Number	003734/801
Date	Apr 16, 2019
Book Page	3734/801
Instrument	2019002972

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 16, 2019
Property Address	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Document Number	003734/821
Book / Page	3734 / 821
Instrument Date	Apr 15, 2019
Instrument	2019002973
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2817 LOVERS LN, 2817, SAINT JOSEPH, MO 64506-1523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2817 LOVERS LN, SAINT JOSEPH, MO 64506-1523

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		$35,710 (-1.79%) Land $6,480 Building $29,230	$187,920 (-1.79%) Land $34,080 Building $153,840
2024	$2,562.00 (+7.24%)
2023	$2,389.00 (-0.67%)	$36,360 (-) Land $6,480 Building $29,880	$191,340 (-) Land $34,080 Building $157,260
2022	$2,405.00	$36,360 Land $6,480 Building $29,880
2021			$191,340 Land $34,080 Building $157,260

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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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