305 E Cliff St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 305 E Cliff St, Saint Joseph, MO 64504 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1907
Square Footage	484 sqft Base Area
Lot Size	6,098 sqft (0.14 acres)
Occupancy	Owner Occupied
Tax Bill	$397.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-9.0-32-003-001-090.000`

Interior

Building Area	484 sqft Base Area
1st Floor	484 sqft 1st Floor

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Lot Area	6,098 sqft (0.14 acres)
Depth X Width	120 ft x 50 ft Depth x Width

Location & Zoning

Street Address	305 E CLIFF ST
City	SAINT JOSEPH
State	MO
Zip	64504-2119
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SUB:RHUDY'S LOT:25 BLK:5LGL DESC:& LOT 26
Legal Subdivision	RHUDYS
Legal Block	5
Legal Lot Number	25-26
Jurisdiction	BUCHANAN MO
Minor Civil Division	WASHINGTON
Census Blockgroup	1
Census Block	1006
Census Tract	2300

Owner

Source: Buchanan County records · APN 06-9.0-32-003-001-090.000

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	305 E CLIFF ST, SAINT JOSEPH, MO 64504-2119
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Aug 05, 2024
Transfer Doc	003799/638
Record Refreshed	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	305 E CLIFF ST, SAINT JOSEPH, MO 64504-2119
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 IL CLIFF STREET, SAINT JOSEPH, MO 64504

Mortgage

Document Number	3759/715
Date	Mar 10, 2021
Book Page	3759/715
Instrument	2021002357

Lender

Name	SPECIALIZED LOAN SERVICES LLC
Type	Mortgage Company
Address	WASHINGTON, DC 20410

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	226 Months
Due	Jan 01, 2040

Tax Assessment & Valuation

Source: Buchanan County records · Assessment roll updated November 4, 2025 · Last verified June 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$397.00 (+0.25%)	$5,430 (+4.02%) Land $2,370 Building $3,060	$28,560 (+4.01%) Land $12,460 Building $16,100
2024	$396.00 (+13.14%)
2023	$350.00 (-0.57%)	$5,220 (-) Land $2,370 Building $2,850	$27,460 (-) Land $12,460 Building $15,000
2022	$352.00	$5,220 Land $2,370 Building $2,850
2021			$27,460 Land $12,460 Building $15,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	FEMA flood map data for this location is not available in our records

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 49% of Missouri
Wildfire Likelihood	About 1 in 1,205 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.