3118 Dover St, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3118 Dover St, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,234 sqft · built 1978
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$226,100 (Feb 2026)
Tax Bill	$2,052 (2025)
Deeds & Mortgages	Jan 2011 Mortgage Feb 2026 Mortgage + 5 more
APN	`03-8.0-27-002-001-135.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-27-002-001-135.000`

Interior

Building Area	1,234 sqft Base Area
1st Floor Area	1,234 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	149 ft deep x 77.7 ft wide

Location & Zoning

Street Address	3118 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:145 BLK:LGL DESC:
Legal Subdivision	CAMBRIDGE ADDITION
Legal Lot Number	145
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1000
Census Tract	200

Owner

3118 Dover St is owned and occupied by two individuals who bought it in February 2026.

Source: Buchanan County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2011	Deed of Trust, Mortgage · Conventional Mortgage UMB BANK NA
Feb 24, 2026	Warranty Deed, Transfer · Conventional Mortgage LEADERONE FINANCIAL CORP
Feb 24, 2022	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Dec 28, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Apr 20, 2021	Warranty Deed, Transfer · VA Mortgage THE NODAWAY VALLEY BANK
Oct 15, 2014	Warranty Deed, Transfer · FHA Mortgage BMO HARRIS BANK NA
Jun 13, 2011	Warranty Deed, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2026 · Amount on File
Deed Sale	Feb 24, 2026 · Amount on File
Prior Sale	Feb 24, 2022 · Amount on File
Deed Document Number	20261340
Deed Book / Page	3816 / 147
Record Updated	Oct 29, 2026

January 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03254/0282
Date	Jan 27, 2011
Book Page	3254/0282
Instrument	2011000964

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT JOSEPH, MO 64507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 24, 2026
Property Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Document Number	003816/147
Book / Page	3816 / 147
Instrument Date	Feb 23, 2026
Instrument	2026001340
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135

Mortgage

Document Number	2026001341
Date	Feb 24, 2026
Instrument	2026001341

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 24, 2022
Property Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Document Number	003773/156
Book / Page	3773 / 156
Instrument Date	Feb 23, 2022
Instrument	2022001729
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 N AUGUSTUS ST, SAINT MARYS, OH 45885-2001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135

Mortgage

Document Number	2022001730
Date	Feb 24, 2022
Instrument	2022001730

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Dec 28, 2021
Property Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Document Number	003771/270
Book / Page	3771 / 270
Instrument Date	Dec 28, 2021
Instrument	2021013983
Transaction Type	Transfer
Record Updated	Mar 6, 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	2921 N BELT HWY, SAINT JOSEPH, MO 64506-2062

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 20, 2021
Property Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Document Number	003761/268
Book / Page	3761 / 268
Instrument Date	Apr 19, 2021
Instrument	2021003918
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3851 POWERS DR, SAINT JOSEPH, MO 64503-4804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135

Mortgage

Document Number	2021003919
Date	Apr 20, 2021
Instrument	2021003919

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 15, 2014
Property Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Document Number	2014010465
Instrument Date	Oct 10, 2014
Instrument	2014010465
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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	2014010466
Date	Oct 15, 2014
Instrument	2014010466

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2044

Interest

Rate Type	Fixed Rate

June 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 13, 2011
Property Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135
Document Number	03274/0908
Book / Page	3274 / 0908
Instrument Date	Jun 10, 2011
Instrument	2011006303
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4060 NE STATE RTE W, SAINT JOSEPH, MO 64507-8735

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3118 DOVER ST, SAINT JOSEPH, MO 64506-1135

Mortgage

Document Number	2011006304
Date	Jun 13, 2011
Instrument	2011006304

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 3118 Dover St was $2,052, up % 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	$2,052.00 (+0.05%)	$28,690 Land $3,690 Building $25,000	$151,000 Land $19,430 Building $131,570
2024	$2,051.00 (+20.58%)
2023	$1,701.00 (-0.7%)	$25,960 (-) Land $3,690 Building $22,270	$136,630 Land $19,430 Building $117,200
2022	$1,713.00	$25,960 Land $3,690 Building $22,270
2021			$136,630 Land $19,430 Building $117,200

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 3118 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 3118 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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