2831 Lovers Ln, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 2831 Lovers Ln, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,470 sqft · built 1985
Lot Size	0.852 acres (37,125 sqft)
Owner	2 Company Names on Record
Last Sale	$1,003,435 (Aug 2026)
Tax Bill	$3,676 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan Jul 2007 Line of Credit + 3 more
APN	`03-8.0-34-003-002-033.001`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-002-033.001`

Interior

Building Area	2,470 sqft Base Area
1st Floor Area	2,470 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	37,125 sqft (0.852 acres)
Lot Dimensions	225 ft deep x 165 ft wide

Location & Zoning

Street Address	2831 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:MATNEY'S SUB-DIVISION LOT:00 BLK:00LGL DESC:BEG 556.92' E & 1019.40' S OF THE NW COR SW4 OF 34-58-35 TH N ALG W
Legal Range	35W
Legal Township	58N
Legal Section	34
Legal Subdivision	MATNEYS SUB-DIVISION
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2012
Census Tract	200

Owner

Source: Buchanan County records, as of September 1, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	2831 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Deed, Transfer · Construction Mortgage HNB NATIONAL BANK
Jul 9, 2007	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK NA
Oct 4, 2011	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 12, 2005	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Jun 3, 2026	Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Deed Document Number	20266997
Deed Book / Page	3821 / 737
Prior Transfer Date	Jun 3, 2026
Prior Transfer Doc	0000004396
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 21, 2026
Property Address	2831 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Document Number	0000006997
Book / Page	3821 / 737
Instrument Date	Aug 21, 2026
Instrument	20266997
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	PREFERRED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	2831 LOVERS LN, SAINT JOSEPH, MO 64506-1523

Mortgage

Document Number	0000006998,
Date	Aug 21, 2026
Book Page	3821/738
Instrument	20266998

Lender

Name	HNB NATIONAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Feb 17, 2027

Interest

Max Rate	-1%

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2831 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03008/0905
Date	Jul 9, 2007
Book Page	3008/0905
Instrument	2007009548

Lender

Name	COMMERCE BANK NA
Type	Bank
Address	SAINT JOSEPH, MO 64501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2831 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Transaction Type	Mortgage
Record Updated	Jun 19, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03292/0975
Date	Oct 4, 2011
Book Page	3292/0975
Instrument	2011010804

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2021

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2831 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02758/0191
Date	Jan 12, 2005
Book Page	2758/0191
Instrument	2005000528

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 3, 2026
Property Address	2831 LOVERS LN, SAINT JOSEPH, MO 64506-1523
Document Number	0000004396
Book / Page	3819 / 163
Instrument Date	Jun 3, 2026
Instrument	20264396
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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
Relationship	Trust
Address	2831 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	$3,676.00 (+0.03%)	$51,500 (+8.38%) Land $5,230 Building $46,270	$271,000 (+8.36%) Land $27,500 Building $243,500
2024	$3,675.00 (+18.28%)
2023	$3,107.00 (-0.67%)	$47,520 (-) Land $5,230 Building $42,290	$250,100 (-) Land $27,500 Building $222,600
2022	$3,128.00	$47,520 Land $5,230 Building $42,290
2021			$250,100 Land $27,500 Building $222,600

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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.

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