3022 Morningside Dr, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 3022 Morningside Dr, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,056 sqft · built 1972
Lot Size	0.263 acres (11,460 sqft)
Owner	Individual Name on Record
Last Sale	$154,400 (Jul 2018)
Tax Bill	$1,196 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Apr 2024 Line of Credit + 2 more
APN	`06-5.0-22-004-000-120.000`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-22-004-000-120.000`

Interior

Building Area	1,056 sqft Base Area
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	11,460 sqft (0.263 acres)
Lot Dimensions	133 ft deep x 86.1 ft wide

Location & Zoning

Street Address	3022 MORNINGSIDE DR
City	SAINT JOSEPH
State	MO
Zip	64503-1351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:MORNINGSIDE ADDITION LOT:107 BLK:LGL DESC:
Legal Subdivision	MORNINGSIDE ADDITION
Legal Lot Number	107
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	1800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · Line of Credit HNB NATIONAL BANK
Apr 25, 2024	Deed of Trust, Mortgage · Line of Credit HNB NATIONAL BANK
Jul 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK
Jul 20, 2018	Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Jun 6, 2014 · Amount on Record
Deed Document Number	20186518
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351

Mortgage

Document Number	003815/384
Date	Jan 27, 2026
Book Page	3815/384
Instrument	2026000569

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	SAVANNAH, MO 64485

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351
Transaction Type	Mortgage
Record Updated	May 10, 2024
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351

Mortgage

Document Number	003796/690
Date	Apr 25, 2024
Book Page	3796/690
Instrument	2024003079

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	SAVANNAH, MO 64485

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351

Mortgage

Document Number	003764/951
Date	Jul 20, 2021
Book Page	3764/951
Instrument	2021007626

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	SAVANNAH, MO 64485

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 20, 2018
Property Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351
Document Number	2018006518
Instrument Date	Jul 19, 2018
Instrument	2018006518
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3022 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1351

Mortgage

Document Number	2018006519
Date	Jul 20, 2018
Instrument	2018006519

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

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	$1,196.00 (+0.08%)	$16,630 (+5.86%) Land $3,420 Building $13,210	$87,500 (+5.8%) Land $18,000 Building $69,500
2024	$1,195.00 (+15.46%)
2023	$1,035.00 (-0.67%)	$15,710 (-) Land $3,420 Building $12,290	$82,700 (-) Land $18,000 Building $64,700
2022	$1,042.00	$15,710 Land $3,420 Building $12,290
2021			$82,700 Land $18,000 Building $64,700

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	5 in force
Nearby Flood Claims	5 (1984–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · other causes
Claims by Event	Severe Storms And Flooding, May 2007 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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 346 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: Verizon.

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