2820 Karnes Rd, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 2820 Karnes Rd, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,037 sqft · built 1912
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Tax Bill	$987 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
APN	`03-8.0-34-003-002-017.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-002-017.000`

Interior

Building Area	1,037 sqft Base Area
1st Floor Area	1,037 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	200 ft deep x 79 ft wide

Location & Zoning

Street Address	2820 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:MATNEY'S SUB-DIVISION N 200' OF E 79' OF L 2 SUB-DIV OF N 1/2 SW4- LOT B LLA BK3 PG77
Legal Range	35W
Legal Township	58N
Legal Section	34
Legal Subdivision	MATNEYS SUB-DIVISION
Legal Lot Number	B
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	2820 KARNES RD, SAINT JOSEPH, MO 64506-1305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2820 KARNES RD, SAINT JOSEPH, MO 64506-1305
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3720/745
Date	Dec 28, 2018
Book Page	3720/745
Instrument	2018011924

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 20, 2028

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	$987.00 (+0.1%)	$14,260 (+6.58%) Land $4,850 Building $9,410	$75,000 (+6.53%) Land $25,500 Building $49,500
2024	$986.00 (+10.66%)
2023	$891.00 (-0.67%)	$13,380 (-) Land $4,850 Building $8,530	$70,400 (-) Land $25,500 Building $44,900
2022	$897.00	$13,380 Land $4,850 Building $8,530
2021			$70,400 Land $25,500 Building $44,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	0.03% 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.

Nearby Properties on Karnes Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures