2902 S 40th Ter, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 2902 S 40th Ter, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,844 sqft · built 1927
Lot Size	1.88 acres (81,893 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2021 Sale + 1 more
APN	`06-6.0-23-003-000-010.000`

Property Details

APN / Parcel Number

Primary APN	`06-6.0-23-003-000-010.000`

Interior

Building Area	1,844 sqft Base Area
1st Floor Area	1,844 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	81,893 sqft (1.88 acres)

Location & Zoning

Street Address	2902 S 40TH TER
City	SAINT JOSEPH
State	MO
Zip	64503-1696
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	23-57-35SWSUB: LOT: BLK:LGL DESC:S 2 AC OF L 7 PICKETT S D OF SW4 BEG 1128' S & 20' W OF NE COR OF SW4 TH W 442' S 189' E 442' N 189' TO POB
Legal Range	35W
Legal Township	57N
Legal Section	23
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	1700

Owner

2902 S 40th Ter is owned and occupied by two individuals who acquired it in August 2021.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2902 S 40TH TER, SAINT JOSEPH, MO 64503-1696
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage POSTAL & COMMUNITY CU
Aug 16, 2021	Warranty Deed, Transfer NOT AVAILABLE, ST JOSEPH TITLE LLC
May 22, 2018	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANK OF MISSOURI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021
Deed Sale	Aug 16, 2021
Prior Sale	May 22, 2018 · Amount on File
Deed Document Number	20218783
Deed Book / Page	3766 / 101
Prior Transfer Date	Apr 7, 2015
Prior Transfer Doc	2015003216
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2902 S 40TH TER, SAINT JOSEPH, MO 64503-1696
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 S 40TH TER, SAINT JOSEPH, MO 64503-1696

Mortgage

Document Number	003793/852
Date	Jan 10, 2024
Book Page	3793/852
Instrument	2024000202

Lender

Name	POSTAL & COMMUNITY CU
Type	Credit Union
Address	SAINT JOSEPH, MO 64506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 16, 2021
Property Address	2902 S 40TH TER, SAINT JOSEPH, MO 64503-1696
Document Number	003766/101
Book / Page	3766 / 101
Instrument Date	Aug 13, 2021
Instrument	2021008783
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2310 W ETHERINGTON ST #1515, 1515, MACKINAC CITY, MI 49701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2201 LOVERS LN, SAINT JOSEPH, MO 64505-2247

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 22, 2018
Property Address	2902 S 40TH TER, SAINT JOSEPH, MO 64503-1696
Document Number	2018004567
Instrument Date	May 21, 2018
Instrument	2018004567
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 S 40TH TER, SAINT JOSEPH, MO 64503-1696

Mortgage

Document Number	2018004568
Date	May 22, 2018
Instrument	2018004568

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2902 S 40th Ter was $1,658.

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	$1,658.00	$24,330 Land $3,020 Building $21,310	$128,030 Land $15,880 Building $112,150
2024	$1,658.00 (+10.9%)
2023	$1,495.00 (+311.85%)	$22,840 (+327.72%) Land $3,020 Building $19,820	$120,210 Land $15,880 Building $104,330
2022	$363.00	$5,340 Land $3,040 Building $2,300
2021			$28,100 Land $16,000 Building $12,100

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

Flood

FEMA has no flood map on file for 2902 S 40th Ter.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2902 S 40th Ter is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.06% 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

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