302 Ozark St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 302 Ozark St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	816 sqft · built 1902
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$153,713 (Oct 2024)
Tax Bill	$480 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Oct 2024 Mortgage + 5 more
APN	`06-9.0-32-003-001-088.000`

Property Details

APN / Parcel Number

Primary APN	`06-9.0-32-003-001-088.000`

Interior

Building Area	816 sqft Base Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Location & Zoning

Street Address	302 OZARK ST
City	SAINT JOSEPH
State	MO
Zip	64504-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:RHUDY'S LOT:1 BLK:5LGL DESC:& LOT 2
Legal Subdivision	RHUDYS
Legal Block	5
Legal Lot Number	1-2
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1006
Census Tract	2300

Owner

302 Ozark St is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 19, 2019	Deed of Trust, Mortgage · Commercial Mortgage ANCHOR LOANS LP
Oct 8, 2024	Warranty Deed, Transfer · FHA Mortgage COMMERCE BANK
Feb 6, 2024	Warranty Deed, Transfer PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L
Oct 16, 2020	Correction Deed PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L
Oct 2, 2020	Warranty Deed, Transfer NOT AVAILABLE, ST JOSEPH TITLE LLC
Jul 9, 2020	Warranty Deed, Transfer PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L
Jul 10, 2020	Warranty Deed, Transfer PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2024 · Amount on File
Deed Sale	Oct 8, 2024 · Amount on File
Prior Sale	Feb 6, 2024
Deed Document Number	20248132
Deed Book / Page	3801 / 690
Prior Transfer Date	Oct 16, 2020
Prior Transfer Doc	003754/507
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	DRI TITLE AND ESCROW, DRI TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003739/487
Date	Jul 19, 2019
Book Page	3739/487
Instrument	2019005912

Lender

Name	ANCHOR LOANS LP
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 8, 2024
Property Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Document Number	003801/690
Book / Page	3801 / 690
Instrument Date	Oct 8, 2024
Instrument	2024008132
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1304 S 17TH ST, SAINT JOSEPH, MO 64507-1237

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127

Mortgage

Document Number	2024008133
Date	Oct 8, 2024
Instrument	2024008133

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 6, 2024
Property Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Document Number	003794/506
Book / Page	3794 / 506
Instrument Date	Feb 6, 2024
Instrument	2024000866
Transaction Type	Transfer
Record Updated	Feb 20, 2024
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	1304 S 17TH ST, SAINT JOSEPH, MO 64507-1237

October 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 16, 2020
Property Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Document Number	003754/507
Book / Page	3754 / 507
Instrument Date	Oct 16, 2020
Instrument	2020009691
Record Updated	Feb 20, 2024
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 S 19TH ST, SAINT JOSEPH, MO 64503-3203

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 2, 2020
Property Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Document Number	003753/950
Book / Page	3753 / 950
Instrument Date	Oct 2, 2020
Instrument	2020009133
Transaction Type	Transfer
Record Updated	Feb 20, 2024
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2822 S 19TH ST, SAINT JOSEPH, MO 64503-3203

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 9, 2020
Property Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Document Number	003750/578
Book / Page	3750 / 578
Instrument Date	Jul 9, 2020
Instrument	2020005740
Transaction Type	Transfer
Record Updated	Feb 20, 2024
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 S 29TH ST, SAINT JOSEPH, MO 64503-1115

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 10, 2020
Property Address	302 OZARK ST, SAINT JOSEPH, MO 64504-2127
Document Number	003750/587
Book / Page	3750 / 587
Instrument Date	Jul 9, 2020
Instrument	2020005749
Transaction Type	Transfer
Record Updated	Feb 20, 2024
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 S 291 ST, SAINT JOSEPH, MO 64503

Tax Assessment & Valuation

The 2025 property tax bill for 302 Ozark St was $480.

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	$480.00	$6,610 Land $2,370 Building $4,240	$34,800 Land $12,460 Building $22,340
2024	$480.00 (+14.01%)
2023	$421.00 (-0.71%)	$6,320 (-) Land $2,370 Building $3,950	$33,240 Land $12,460 Building $20,780
2022	$424.00	$6,320 Land $2,370 Building $3,950
2021			$33,240 Land $12,460 Building $20,780

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 302 Ozark St; 12 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 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

Wildfire risk around 302 Ozark St is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 49% of Missouri
Wildfire Likelihood	0.08% 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 236 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
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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