3140 Charles St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 3140 Charles St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	768 sqft · built 1952
Lot Size	0.137 acres (5,985 sqft)
Owner	Individual Name on Record
Last Sale	$187,796 (Jun 2025)
Tax Bill	$634 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
APN	`06-2.0-10-003-004-043.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-10-003-004-043.000`

Interior

Building Area	768 sqft Base Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	5,985 sqft (0.137 acres)
Lot Dimensions	119 ft deep x 50 ft wide

Location & Zoning

Street Address	3140 CHARLES ST
City	SAINT JOSEPH
State	MO
Zip	64501-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:BENSON PINGER'S GARDENS LOT:1 BLK:2LGL DESC:W 10' L 1 E 40' L 2
Legal Subdivision	BENSON PINGERS GARDENS
Legal Block	2
Legal Lot Number	1-2
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2013
Census Tract	900

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	3140 CHARLES ST, SAINT JOSEPH, MO 64501-3310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2025 · Amount on Record
Deed Sale	Jun 25, 2025 · Amount on Record
Prior Sale	Mar 13, 2024
Deed Document Number	20254792
Deed Book / Page	3808 / 770
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 21, 2021
Property Address	3140 CHARLES ST, SAINT JOSEPH, MO 64501-3310
Document Number	3767/603
Book / Page	3767 / 603
Instrument Date	Sep 20, 2021
Instrument	2021010300
Transaction Type	Transfer
Record Updated	Oct 1, 2021
Title Company	FIRST AMERICAN TITLE, 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	3140 CHARLES ST, SAINT JOSEPH, MO 64501-3310

Mortgage

Document Number	2021010301
Date	Sep 21, 2021
Instrument	2021010301

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

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	$634.00	$8,770 (+5.03%) Land $2,570 Building $6,200	$46,120 (+5.06%) Land $13,500 Building $32,620
2024	$634.00 (+14.44%)
2023	$554.00 (-0.54%)	$8,350 (-) Land $2,570 Building $5,780	$43,900 (-) Land $13,500 Building $30,400
2022	$557.00	$8,350 Land $2,570 Building $5,780
2021			$43,900 Land $13,500 Building $30,400

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 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 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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 204 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