Buchanan County property record for 3105 S 28th St, Saint Joseph, MO 64503
| Property Type | Single Family Home |
|---|---|
| Details | 1,496 sqft · built 1912 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $875 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Apr 2019 Mortgage |
| APN | 06-5.0-22-003-000-081.000 |
| Primary APN | 06-5.0-22-003-000-081.000 |
|---|
| Building Area | 1,496 sqft Base Area |
|---|---|
| 1st Floor Area | 1,496 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Lot Area | 43,560 sqft (1 acres) |
| Street Address | 3105 S 28TH ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64503-1111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | 22-57-35SWSUB: LOT: BLK:LGL DESC:BEG AT A PT 610.99' N & 25.08' E SW COR SEC 22 E 297.33' S 146.52' W 297.37' N 146.52' TO BEG |
| Legal Range | 35W |
| Legal Township | 57N |
| Legal Section | 22 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 1800 |
3105 S 28th St is owned and occupied by two individuals.
Source: Buchanan County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3105 S 28TH ST, SAINT JOSEPH, MO 64503-1111 |
| 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 |
|---|---|
| Jan 21, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Apr 24, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 3105 S 28TH ST, SAINT JOSEPH, MO 64503-1111 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2020 |
| Name | Verified Name |
|---|
| Document Number | 3745/291 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 3745/291 |
| Instrument | 2020000426 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 3105 S 28TH ST, SAINT JOSEPH, MO 64503-1111 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2019 |
| Name | Verified Name |
|---|
| Document Number | 3736/46 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 3736/46 |
| Instrument | 2019003235 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 3105 S 28th St was $875.
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 | $875.00 | $12,550 Land $3,610 Building $8,940 | $66,050 Land $19,000 Building $47,050 |
| 2024 | $875.00 (+10.62%) | ||
| 2023 | $791.00 (-0.63%) | $11,930 (-) Land $3,610 Building $8,320 | $62,770 Land $19,000 Building $43,770 |
| 2022 | $796.00 | $11,930 Land $3,610 Building $8,320 | |
| 2021 | $62,770 Land $19,000 Building $43,770 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 3105 S 28th St; there have been 5 flood claims nearby since 1984.
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 |
|
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 risk around 3105 S 28th St is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 72% of Missouri |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 169 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 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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