3108 Locust St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 3108 Locust St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	1,048 sqft · built 1947
Lot Size	0.252 acres (11,000 sqft)
Owner	Individual Name on File
Last Sale	$86,500 (Dec 2013)
Tax Bill	$885 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
APN	`06-5.0-15-002-001-059.000`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-15-002-001-059.000`

Interior

Building Area	1,048 sqft Base Area
1st Floor Area	1,048 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Lot Area	11,000 sqft (0.252 acres)
Lot Dimensions	110 ft deep x 100 ft wide

Location & Zoning

Street Address	3108 LOCUST ST
City	SAINT JOSEPH
State	MO
Zip	64501-3420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:OAK HILL LOT:0 BLK:4LGL DESC:W 100' OF E 431' OF BLK 4
Legal Subdivision	OAK HILL
Legal Block	4
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1001
Census Tract	1600

Owner

3108 Locust St is owned and occupied by an individual who bought it in December 2013.

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

Owner of Record	Individual Name on File
Mailing Address	3108 LOCUST ST, SAINT JOSEPH, MO 64501-3420
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2013 · Amount on File
Deed Sale	Dec 23, 2013 · Amount on File
Prior Sale	Dec 23, 2013 · Amount on File
Deed Document Number	201315089
Deed Book / Page	3443 / 585
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3108 LOCUST ST, SAINT JOSEPH, MO 64501-3420
Transaction Type	Mortgage
Record Updated	Aug 27, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3765/973
Date	Aug 13, 2021
Book Page	3765/973
Instrument	2021008655

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3108 Locust St was $885, up 0.1% from the year before.

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	$885.00 (+0.11%)	$12,350 Land $1,900 Building $10,450	$65,010 Land $10,000 Building $55,010
2024	$884.00 (+18.02%)
2023	$749.00 (-0.66%)	$11,420 (-) Land $1,900 Building $9,520	$60,100 Land $10,000 Building $50,100
2022	$754.00	$11,420 Land $1,900 Building $9,520
2021			$60,100 Land $10,000 Building $50,100

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 3108 Locust 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

Wildfire risk around 3108 Locust St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 653 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
T-Mobile Fixed Wireless	100 / 20