3121 Dover St, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3121 Dover St, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,248 sqft · built 1978
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Tax Bill	$1,775 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2019 Mortgage + 2 more
APN	`03-8.0-27-002-001-127.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-27-002-001-127.000`

Interior

Building Area	1,248 sqft Base Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 79 ft wide

Location & Zoning

Street Address	3121 DOVER ST
City	SAINT JOSEPH
State	MO
Zip	64506-1134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:CAMBRIDGE ADDITION LOT:132 BLK:LGL DESC:
Legal Subdivision	CAMBRIDGE ADDITION
Legal Lot Number	132
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1002
Census Tract	200

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	3121 DOVER ST, SAINT JOSEPH, MO 64506-1134
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Jan 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Oct 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2010
Deed Sale	Mar 25, 2010
Deed Document Number	20102978
Deed Book / Page	3201 / 685
Prior Transfer Date	Mar 24, 2010
Prior Transfer Doc	03201/0685
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3121 DOVER ST, SAINT JOSEPH, MO 64506-1134
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017002255
Date	Mar 15, 2017
Instrument	2017002255

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3121 DOVER ST, SAINT JOSEPH, MO 64506-1134
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003724/93
Date	Jan 28, 2019
Book Page	3724/93
Instrument	2019000622

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jan 15, 2031

Interest

Rate Type	Fixed Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3121 DOVER ST, SAINT JOSEPH, MO 64506-1134
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 DOVER ST, SAINT JOSEPH, MO 64506-1134

Mortgage

Document Number	0003781/42
Date	Oct 4, 2022
Book Page	3781/42
Instrument	2022009668

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	143 Months
Due	Sep 28, 2034

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3121 DOVER ST, SAINT JOSEPH, MO 64506-1134
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 DOVER ST, SAINT JOSEPH, MO 64506-1134

Mortgage

Document Number	003781/115
Date	Oct 6, 2022
Book Page	3781/115
Instrument	2022009744

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 28, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,775.00 (+0.06%)	$24,810 (+6.44%) Land $3,340 Building $21,470	$130,600 (+6.44%) Land $17,580 Building $113,020
2024	$1,774.00 (+16.1%)
2023	$1,528.00 (-0.65%)	$23,310 (-) Land $3,340 Building $19,970	$122,700 (-) Land $17,580 Building $105,120
2022	$1,538.00	$23,310 Land $3,340 Building $19,970
2021			$122,700 Land $17,580 Building $105,120

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

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 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

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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