3106 Dover St, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3106 Dover St, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,104 sqft · built 1977
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$144,700 (Jul 2020)
Tax Bill	$1,464 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jul 2020 Mortgage
APN	`03-8.0-27-002-001-138.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-27-002-001-138.000`

Interior

Building Area	1,104 sqft Base Area
1st Floor Area	1,104 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	149 ft deep x 77.7 ft wide

Location & Zoning

Street Address	3106 DOVER ST
City	SAINT JOSEPH
State	MO
Zip	64506-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:CAMBRIDGE ADDITION LOT:148 BLK:LGL DESC:
Legal Subdivision	CAMBRIDGE ADDITION
Legal Lot Number	148
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1000
Census Tract	200

Owner

3106 Dover St is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	3106 DOVER ST, SAINT JOSEPH, MO 64506-1135
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jul 30, 2020	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2020 · Amount on File
Deed Sale	Jul 30, 2020 · Amount on File
Prior Sale	May 1, 2007 · Amount on File
Deed Document Number	20206526
Deed Book / Page	3751 / 360
Prior Transfer Date	Jul 29, 2020
Prior Transfer Doc	003751/360
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3106 DOVER ST, SAINT JOSEPH, MO 64506-1135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 DOVER ST, SAINT JOSEPH, MO 64506-1135

Mortgage

Document Number	3757/961
Date	Jan 20, 2021
Book Page	3757/961
Instrument	2021000596

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Jul 30, 2020
Property Address	3106 DOVER ST, SAINT JOSEPH, MO 64506-1135
Document Number	003751/360
Book / Page	3751 / 360
Instrument Date	Jul 29, 2020
Instrument	2020006526
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 DOVER ST, SAINT JOSEPH, MO 64506-1135

Mortgage

Document Number	2020006527
Date	Jul 30, 2020
Instrument	2020006527

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3106 Dover St was $1,464.

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	$1,464.00	$20,400 Land $3,690 Building $16,710	$107,370 Land $19,430 Building $87,940
2024	$1,464.00 (+13.66%)
2023	$1,288.00 (-0.69%)	$19,590 (-) Land $3,690 Building $15,900	$103,130 Land $19,430 Building $83,700
2022	$1,297.00	$19,590 Land $3,690 Building $15,900
2021			$103,130 Land $19,430 Building $83,700

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

FEMA has no flood map on file for 3106 Dover St; 1 flood insurance policy is in force nearby.

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	1 in force

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

Wildfire risk around 3106 Dover 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 99.8% of the US · lower than 99.6% 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 367 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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