3108 Summit Ave, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3108 Summit Ave, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,000 sqft · built 1920
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,231 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Oct 2019 Mortgage
APN	`03-8.0-34-003-001-042.001`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-001-042.001`

Interior

Building Area	1,000 sqft Base Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	190 ft deep x 100 ft wide

Location & Zoning

Street Address	3108 SUMMIT AVE
City	SAINT JOSEPH
State	MO
Zip	64506-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:MAPLE HEIGHTS LOT:21 BLK:2LGL DESC:N 190'
Legal Subdivision	MAPLE HEIGHTS
Legal Block	2
Legal Lot Number	21
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1004
Census Tract	600

Owner

3108 Summit Ave 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	3108 SUMMIT AVE, SAINT JOSEPH, MO 64506-1538
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
Mar 16, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3108 SUMMIT AVE, SAINT JOSEPH, MO 64506-1538
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 SUMMIT AVE, SAINT JOSEPH, MO 64506-1538

Mortgage

Document Number	3759/888
Date	Mar 16, 2021
Book Page	3759/888
Instrument	2021002532

Lender

Name	US BANK NA
Type	Bank
Address	45022

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	168 Months
Due	Mar 2, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3108 SUMMIT AVE, SAINT JOSEPH, MO 64506-1538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3742/861
Date	Oct 25, 2019
Book Page	3742/861
Instrument	2019009315

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 3, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3108 Summit Ave was $1,231, 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	$1,231.00 (+0.08%)	$16,990 Land $5,370 Building $11,620	$89,390 Land $28,250 Building $61,140
2024	$1,230.00 (+16.37%)
2023	$1,057.00 (-0.66%)	$15,900 (-) Land $5,370 Building $10,530	$83,660 Land $28,250 Building $55,410
2022	$1,064.00	$15,900 Land $5,370 Building $10,530
2021			$83,660 Land $28,250 Building $55,410

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 3108 Summit Ave; there have been 2 flood claims nearby since 1979.

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

Wildfire risk around 3108 Summit Ave is low, with 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 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.

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