3107 Summit Ave, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3107 Summit Ave, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,396 sqft · built 1947
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$225,240 (Nov 2024)
Tax Bill	$1,521 (2025)
Deeds & Mortgages	Dec 2008 Mortgage Mar 2023 Mortgage + 1 more
APN	`03-8.0-34-003-001-031.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-001-031.000`

Interior

Building Area	1,396 sqft Base Area
1st Floor Area	1,396 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	154 ft deep x 70 ft wide

Location & Zoning

Street Address	3107 SUMMIT AVE
City	SAINT JOSEPH
State	MO
Zip	64506-1537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	34-58-35SWSUB: LOT: BLK:LGL DESC:IN SE OF NE OF SW4 BEG ON N/L OF SUMMIT AVE 520.4' W OF SE COR NE4 OF SW4 E 70' N 154' W 70'
Legal Range	35W
Legal Township	58N
Legal Section	34
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1003
Census Tract	600

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	Individual Name on Record
Mailing Address	3107 SUMMIT AVE, SAINT JOSEPH, MO 64506-1537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2008	Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK
Mar 15, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE LLC
Feb 27, 2015	Warranty Deed, Transfer · FHA Mortgage CROSS COUNTRY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2024 · Amount on Record
Deed Sale	Nov 7, 2024 · Amount on Record
Prior Sale	Mar 15, 2023 · Amount on Record
Deed Document Number	20249010
Deed Book / Page	3802 / 564
Record Updated	Sep 20, 2026

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3107 SUMMIT AVE, SAINT JOSEPH, MO 64506-1537
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03116/0765
Date	Dec 24, 2008
Book Page	3116/0765
Instrument	2008015727

Lender

Name	MERCANTILE BANK
Type	Bank
Address	SAINT JOSEPH, MO 64507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Mar 15, 2023
Property Address	3107 SUMMIT AVE, SAINT JOSEPH, MO 64506-1537
Document Number	003785/328
Book / Page	3785 / 328
Instrument Date	Mar 14, 2023
Instrument	2023001822
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 SUMMIT AVE, SAINT JOSEPH, MO 64506-1537

Mortgage

Document Number	2023001823
Date	Mar 15, 2023
Instrument	2023001823

Lender

Name	COMMUNITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

February 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 27, 2015
Property Address	3107 SUMMIT AVE, SAINT JOSEPH, MO 64506-1537
Document Number	2015001718
Instrument Date	Feb 27, 2015
Instrument	2015001718
Transaction Type	Transfer
Record Updated	Nov 22, 2024
Title Company	PREFERRED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2015001719
Date	Feb 27, 2015
Instrument	2015001719

Lender

Name	CROSS COUNTRY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2045

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	$1,521.00	$21,190 (+9.74%) Land $3,900 Building $17,290	$111,480 (+9.72%) Land $20,500 Building $90,980
2024	$1,521.00 (+19.67%)
2023	$1,271.00 (-0.7%)	$19,310 (-) Land $3,900 Building $15,410	$101,600 (-) Land $20,500 Building $81,100
2022	$1,280.00	$19,310 Land $3,900 Building $15,410
2021			$101,600 Land $20,500 Building $81,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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 Claims	2 (1979)
Most Recent Claim	Mar 1979 · tidal / storm surge

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	0.01% 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 247 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
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20

May also be available: T-Mobile.

Nearby Properties on Summit Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures