3020 Summit Ave, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3020 Summit Ave, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,348 sqft · built 1927
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Individual Names on File
Last Sale	$146,900 (Nov 2009)
Tax Bill	$1,995 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2020 Mortgage + 1 more
APN	`03-8.0-34-003-001-045.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-001-045.000`

Interior

Building Area	2,348 sqft Base Area
1st Floor Area	2,348 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Lot Area	13,200 sqft (0.303 acres)
Lot Dimensions	120 ft deep x 110 ft wide

Location & Zoning

Street Address	3020 SUMMIT AVE
City	SAINT JOSEPH
State	MO
Zip	64506-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:MAPLE HEIGHTS LOT:18 BLK:2LGL DESC:N 120' L18 & E 10' L8
Legal Subdivision	MAPLE HEIGHTS
Legal Block	2
Legal Lot Number	18
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1005
Census Tract	600

Owner

3020 Summit Ave is owned and occupied by two individuals who acquired it in April 2022.

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	2 Individual Names on File
Mailing Address	3020 SUMMIT AVE, SAINT JOSEPH, MO 64506-1536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE NODAWAY VALLEY BANK
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Apr 28, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2009 · Amount on File
Deed Sale	Nov 6, 2009 · Amount on File
Deed Document Number	200913836
Deed Book / Page	3180 / 351
Last Transfer Date	Apr 28, 2022
Transfer Doc	003775/450
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3020 SUMMIT AVE, SAINT JOSEPH, MO 64506-1536
Transaction Type	Mortgage
Record Updated	Dec 27, 2022
Title Company	FIRST AMERICAN TTL INS COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 SUMMIT AVE, SAINT JOSEPH, MO 64506-1536

Mortgage

Document Number	003783/100
Date	Dec 15, 2022
Book Page	3783/100
Instrument	2022011747

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank
Address	SAINT JOSEPH, MO 64506

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3020 SUMMIT AVE, SAINT JOSEPH, MO 64506-1536
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 SUMMIT AVE, SAINT JOSEPH, MO 64506-1536

Mortgage

Document Number	003754/366
Date	Oct 14, 2020
Book Page	3754/366
Instrument	2020009550

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	SAINT JOSEPH, MO 64507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2030

April 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 28, 2022
Property Address	3020 SUMMIT AVE, SAINT JOSEPH, MO 64506-1536
Document Number	003775/450
Book / Page	3775 / 450
Instrument Date	Apr 28, 2022
Instrument	2022004044
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3020 SUMMIT AVE, SAINT JOSEPH, MO 64506-1536

Tax Assessment & Valuation

The 2025 property tax bill for 3020 Summit Ave was $1,995.

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	$1,995.00	$27,820 Land $4,750 Building $23,070	$146,430 Land $25,000 Building $121,430
2024	$1,995.00 (+12.02%)
2023	$1,781.00 (-0.67%)	$27,110 (-) Land $4,750 Building $22,360	$142,710 Land $25,000 Building $117,710
2022	$1,793.00	$27,110 Land $4,750 Building $22,360
2021			$142,710 Land $25,000 Building $117,710

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

FEMA has no flood map on file for 3020 Summit Ave; there have been 2 flood claims nearby since 1979.

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

FEMA Flood Zone	Not on file
Nearby Flood Claims	2 (1979)
Most Recent Claim	Mar 1979 · tidal / storm surge

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 3020 Summit Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% 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 247 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
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

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