2902 Lovers Ln, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 2902 Lovers Ln, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,670 sqft · built 1927
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,600 (Dec 2009)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Feb 2019 Mortgage Aug 2019 Mortgage
APN	`03-8.0-34-003-003-020.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-003-020.000`

Interior

Building Area	1,670 sqft Base Area
1st Floor Area	1,670 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	60,984 sqft (1.4 acres)

Location & Zoning

Street Address	2902 LOVERS LN
City	SAINT JOSEPH
State	MO
Zip	64506-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	34-58-35SWSUB: LOT: BLK:LGL DESC:BEG SW COR TH E ALG S/L OF SEC 565.13' TH NLY & PARL WITH W/L OF SEC 1252.5' TH N 88 DEG 26' E 100' FOR A POB TH N 0 DEG 39'W PARL WITH W/L OF SEC 418.3' TH S 20 DEG 25' E 186.3' TH S 0 DEG 39' E 242' TH S 88 DEG 26'
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

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	2 Individual Names on Record
Mailing Address	2902 LOVERS LN, SAINT JOSEPH, MO 64506-1526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2009 · Amount on Record
Deed Sale	Dec 30, 2009 · Amount on Record
Prior Sale	Dec 20, 2005 · Amount on Record
Deed Document Number	200915892
Deed Book / Page	3189 / 136
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2902 LOVERS LN, SAINT JOSEPH, MO 64506-1526
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3725/712
Date	Feb 13, 2019
Book Page	3725/712
Instrument	2019000989

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 6, 2029

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2902 LOVERS LN, SAINT JOSEPH, MO 64506-1526
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3740/784
Date	Aug 29, 2019
Book Page	3740/784
Instrument	2019007224

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Sep 1, 2031

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	$3,131.00 (+0.03%)	$43,710 (+16.37%) Land $6,650 Building $37,060	$230,030 (+16.35%) Land $35,000 Building $195,030
2024	$3,130.00 (+26.82%)
2023	$2,468.00 (-0.68%)	$37,560 (-) Land $6,650 Building $30,910	$197,700 (-) Land $35,000 Building $162,700
2022	$2,485.00	$37,560 Land $6,650 Building $30,910
2021			$197,700 Land $35,000 Building $162,700

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.

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