Buchanan County property record for 3003 Karnes Rd, Saint Joseph, MO 64506
| Property Type | Single Family Home |
|---|---|
| Details | 957 sqft · built 1986 |
| Lot Size | 0.356 acres (15,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $186,000 (Aug 2018) |
| Tax Bill | $2,471 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2017 Mortgage + 1 more |
| APN | 03-8.0-34-002-001-107.002 |
| Primary APN | 03-8.0-34-002-001-107.002 |
|---|
| Building Area | 957 sqft Base Area |
|---|---|
| 1st Floor Area | 957 sqft |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 15,500 sqft (0.356 acres) |
| Lot Dimensions | 155 ft deep x 100 ft wide |
| Street Address | 3003 KARNES RD |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64506-1308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | 34-58-35NWSUB: LOT: BLK:LGL DESC:BEG 1070' E & 20' N OF SW COR NW4 FOR POB TH N 155' E 100' S 155' W 100' TO POB |
| Legal Range | 35W |
| Legal Township | 58N |
| Legal Section | 34 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 200 |
Source: Buchanan County records · APN 03-8.0-34-002-001-107.002
Assessment roll updated November 4, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 3003 KARNES RD, SAINT JOSEPH, MO 64506-1308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 27, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE |
| Aug 28, 2018 | Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 28, 2018 · Amount on Record |
| Deed Sale | Aug 28, 2018 · Amount on Record |
| Prior Sale | Jul 02, 2007 · Amount on Record |
| Deed Document Number | 20187886 |
| Deed Book / Page | 3702 / 967 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 3003 KARNES RD, SAINT JOSEPH, MO 64506-1308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 003763/210 |
|---|---|
| Date | Jun 07, 2021 |
| Book Page | 3763/210 |
| Instrument | 2021005874 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 3003 KARNES RD, SAINT JOSEPH, MO 64506-1308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2017007328 |
|---|---|
| Date | Jul 27, 2017 |
| Instrument | 2017007328 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 01, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Aug 28, 2018 |
| Property Address | 3003 KARNES RD, SAINT JOSEPH, MO 64506-1308 |
| Document Number | 003702/967 |
| Book / Page | 3702 / 967 |
| Instrument Date | Aug 27, 2018 |
| Instrument | 2018007886 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4507 ORCHARD RD, 4507, SAINT JOSEPH, MO 64505-1433 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 303 KARNES RD, SAINT JOSEPH, MO 64506 |
| Document Number | 003702/969 |
|---|---|
| Date | Aug 28, 2018 |
| Book Page | 3702/969 |
| Instrument | 2018007887 |
| Name | PRIMELENDING |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2048 |
| Rate Type | Fixed Rate |
|---|
Source: Buchanan County records · Assessment roll updated November 4, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,471.00 | $34,600 (+7.52%) Land $3,900 Building $30,700 | $182,070 (+7.5%) Land $20,500 Building $161,570 |
| 2024 | $2,471.00 (+17.39%) | ||
| 2023 | $2,105.00 (-0.71%) | $32,180 (-) Land $3,900 Building $28,280 | $169,360 (-) Land $20,500 Building $148,860 |
| 2022 | $2,120.00 | $32,180 Land $3,900 Building $28,280 | |
| 2021 | $169,360 Land $20,500 Building $148,860 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 94% of the US · lower than 92% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| United Electric Cooperative Fiber | 1,000 / 1,000 |
| Optimum Communications Cable | 940 / 35 |
| Mercury Broadband Fixed Wireless | 150 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 289 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST JOSEPH private · serves 89,171 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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