2905 Cook Rd, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 2905 Cook Rd, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,253 sqft · built 1979
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$204,000 (Mar 2021)
Tax Bill	$1,674 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Mar 2019 Mortgage + 4 more
APN	`03-8.0-27-003-003-020.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-27-003-003-020.000`

Interior

Building Area	1,253 sqft Base Area
1st Floor Area	1,253 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	121 ft deep x 75 ft wide

Location & Zoning

Street Address	2905 COOK RD
City	SAINT JOSEPH
State	MO
Zip	64506-1234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:NORTHRIDGE ESTATES PLAT 1 LOT:32 BLK:LGL DESC:
Legal Subdivision	NORTHRIDGE ESTATES PLAT 1
Legal Lot Number	32
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 7, 2019	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Mar 18, 2021	Warranty Deed, Transfer · FHA Mortgage PRIMELENDING
Jun 24, 2019	Warranty Deed, Transfer ALOHA TITLE, ALPHA TITLE
Oct 25, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2021 · Amount on Record
Deed Sale	Mar 18, 2021 · Amount on Record
Prior Sale	Jun 24, 2019
Deed Document Number	20212634
Deed Book / Page	3759 / 988
Prior Transfer Date	Oct 23, 2017
Prior Transfer Doc	2017010654
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234
Transaction Type	Mortgage
Record Updated	Nov 14, 2023
Title Company	CARRINGTON TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234

Mortgage

Document Number	003792/158
Date	Nov 2, 2023
Book Page	3792/158
Instrument	2023008720

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Apr 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	ALOHA TITLE, ALPHA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003728/793
Date	Mar 7, 2019
Book Page	3728/793
Instrument	2019001637

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003738/757
Date	Jun 25, 2019
Book Page	3738/757
Instrument	2019005179

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Mar 18, 2021
Property Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234
Document Number	003759/988
Book / Page	3759 / 988
Instrument Date	Mar 17, 2021
Instrument	2021002634
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234

Mortgage

Document Number	2021002635
Date	Mar 18, 2021
Instrument	2021002635

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 24, 2019
Property Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234
Document Number	003738/715
Book / Page	3738 / 715
Map Reference	PL 1
Instrument Date	Jun 13, 2019
Instrument	2019005136
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ALOHA TITLE, ALPHA TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 25, 2017
Property Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234
Document Number	2017010654
Map Reference	PL 1
Instrument Date	Oct 23, 2017
Instrument	2017010654
Transaction Type	Transfer
Record Updated	Nov 19, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 COOK RD, SAINT JOSEPH, MO 64506-1234

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	$1,674.00	$23,400 (+11.69%) Land $3,170 Building $20,230	$123,160 (+11.67%) Land $16,690 Building $106,470
2024	$1,674.00 (+21.83%)
2023	$1,374.00 (-0.65%)	$20,950 (-) Land $3,170 Building $17,780	$110,290 (-) Land $16,690 Building $93,600
2022	$1,383.00	$20,950 Land $3,170 Building $17,780
2021			$110,290 Land $16,690 Building $93,600

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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.02% 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 289 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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