Buchanan County property record for 305 Harvard St, Saint Joseph, MO 64504
| Property Type | Single Family Home |
|---|---|
| Details | 726 sqft · built 1912 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $62,200 (Feb 2019) |
| Tax Bill | $406 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Sep 2022 Mortgage + 2 more |
| APN | 06-9.0-32-002-002-085.000 |
| Primary APN | 06-9.0-32-002-002-085.000 |
|---|
| Building Area | 726 sqft Base Area |
|---|---|
| 1st Floor Area | 726 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Street Address | 305 HARVARD ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64504-1632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:BOWEN'S LOT:4 BLK:13LGL DESC:W 10' L 5 |
| Legal Subdivision | BOWENS |
| Legal Block | 13 |
| Legal Lot Number | 4-5 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 2400 |
305 Harvard St is owned and occupied by an individual who bought it in February 2019.
Source: Buchanan County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 HARVARD ST, SAINT JOSEPH, MO 64504-1632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HUD |
| Sep 13, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 29, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 14, 2019 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2019 · Amount on File |
| Deed Sale | Feb 14, 2019 · Amount on File |
| Deed Document Number | 20191045 |
| Deed Book / Page | 3725 / 987 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 305 HARVARD ST, SAINT JOSEPH, MO 64504-1632 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0003726/47 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 3726/47 |
| Instrument | 2019001064 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 305 HARVARD ST, SAINT JOSEPH, MO 64504-1632 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 305 HARVARD ST, SAINT JOSEPH, MO 64504-1632 |
| Document Number | 003780/126 |
|---|---|
| Date | Sep 13, 2022 |
| Book Page | 3780/126 |
| Instrument | 2022008749 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 318 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 305 HARVARD ST, SAINT JOSEPH, MO 64504-1632 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|---|
| Address | 305 HARVARD ST 1, 1, SAINT JOSEPH, MO 64504-1632 |
| Document Number | 003779/703 |
|---|---|
| Date | Aug 29, 2022 |
| Book Page | 3779/703 |
| Instrument | 2022008323 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 319 Months |
| Due | Mar 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Feb 14, 2019 |
| Property Address | 305 HARVARD ST, SAINT JOSEPH, MO 64504-1632 |
| Document Number | 003725/987 |
| Book / Page | 3725 / 987 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 2019001045 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 HARVARD ST, SAINT JOSEPH, MO 64504-1632 |
| Document Number | 003725/989 |
|---|---|
| Date | Feb 14, 2019 |
| Book Page | 3725/989 |
| Instrument | 2019001046 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 305 Harvard St was $406.
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $406.00 | $5,600 Land $1,890 Building $3,710 | $29,470 Land $9,970 Building $19,500 |
| 2024 | $406.00 (+14.37%) | ||
| 2023 | $355.00 (-0.56%) | $5,330 (-) Land $1,890 Building $3,440 | $28,070 Land $9,970 Building $18,100 |
| 2022 | $357.00 | $5,330 Land $1,890 Building $3,440 | |
| 2021 | $28,070 Land $9,970 Building $18,100 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA has no flood map on file for 305 Harvard St.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 305 Harvard St is low, with less than 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 472 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 |
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