3102 34th Ter, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 3102 34th Ter, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,792 sqft · built 2014
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,500 (May 2020)
Tax Bill	$2,454 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2019 Mortgage
APN	`06-5.0-22-004-000-191.054`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-22-004-000-191.054`

Interior

Building Area	1,792 sqft Base Area
1st Floor Area	1,792 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	154 ft deep x 43.5 ft wide

Location & Zoning

Street Address	3102 34TH TER
City	SAINT JOSEPH
State	MO
Zip	64503-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:MORNINGSIDE 2ND EXTENSION LOT:54 BLK:LGL DESC:
Legal Subdivision	MORNINGSIDE 2ND EXTENSION
Legal Lot Number	54
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1014
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	2 Individual Names on Record
Mailing Address	3102 34TH TER, SAINT JOSEPH, MO 64503-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	Oct 7, 2013
Deed Document Number	20203771
Deed Book / Page	3748 / 622
Record Updated	Sep 20, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 15, 2020
Property Address	3102 34TH TER, SAINT JOSEPH, MO 64503-1516
Document Number	003748/622
Book / Page	3748 / 622
Instrument Date	May 15, 2020
Instrument	2020003771
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	ADVANTAGE TITLE INC, ADVANTAGE 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	3102 34TH TER, SAINT JOSEPH, MO 64503-1516
Investor	Possibly a Property Investor

Mortgage

Document Number	2020003772
Date	May 15, 2020
Instrument	2020003772

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3102 34TH TER, SAINT JOSEPH, MO 64503-1516
Transaction Type	Mortgage
Record Updated	Sep 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3740/548
Date	Aug 22, 2019
Book Page	3740/548
Instrument	2019006985

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 16, 2029

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	$2,454.00 (+0.04%)	$34,340 (+11.02%) Land $4,100 Building $30,240	$180,770 (+11.02%) Land $21,600 Building $159,170
2024	$2,453.00 (+21.14%)
2023	$2,025.00 (-0.69%)	$30,930 (-) Land $4,100 Building $26,830	$162,820 (-) Land $21,600 Building $141,220
2022	$2,039.00	$30,930 Land $4,100 Building $26,830
2021			$162,820 Land $21,600 Building $141,220

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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.03% 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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