Buchanan County property record for 316 Hammond St, Saint Joseph, MO 64504
| Property Type | Single Family Home |
|---|---|
| Details | 999 sqft · built 1932 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $142,310 (Oct 2025) |
| Tax Bill | $814 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Oct 2025 Mortgage + 2 more |
| APN | 06-9.0-32-002-002-045.000 |
| Primary APN | 06-9.0-32-002-002-045.000 |
|---|
| Building Area | 999 sqft Base Area |
|---|---|
| 1st Floor Area | 999 sqft |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 120 ft deep x 66.4 ft wide |
| Street Address | 316 HAMMOND ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64504-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:BOWEN'S LOT:9 BLK:13LGL DESC:& L10 |
| Legal Subdivision | BOWENS |
| Legal Block | 13 |
| Legal Lot Number | 9 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 2400 |
316 Hammond St is owned and occupied by two individuals who bought it in October 2025.
Source: Buchanan County records, as of August 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUARANTEED RATE INC |
| Oct 27, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Sep 15, 2023 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Jul 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2025 · Amount on File |
| Deed Sale | Oct 27, 2025 · Amount on File |
| Prior Sale | Sep 15, 2023 · Amount on File |
| Deed Document Number | 20258972 |
| Deed Book / Page | 3812 / 895 |
| Prior Transfer Date | Oct 14, 2025 |
| Prior Transfer Doc | 003812/895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA |
| Name | Verified Name |
|---|---|
| Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Document Number | 003790/750 |
|---|---|
| Date | Sep 15, 2023 |
| Book Page | 3790/750 |
| Instrument | 2023007299 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2033 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Oct 27, 2025 |
| Property Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Document Number | 003812/895 |
| Book / Page | 3812 / 895 |
| Instrument Date | Oct 14, 2025 |
| Instrument | 2025008972 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2025 |
| Title Company | RAVENSWOOD TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Document Number | 2025008973 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 2025008973 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Sep 15, 2023 |
| Property Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Document Number | 003790/737 |
| Book / Page | 3790 / 737 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 2023007285 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2023 |
| Title Company | MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE SHORT TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Document Number | 2023007298 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 2023007298 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jul 19, 2021 |
| Property Address | 316 HAMMOND ST, SAINT JOSEPH, MO 64504-1629 |
| Document Number | 3764/912 |
| Book / Page | 3764 / 912 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 2021007586 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Title Company | NOT AVAILABLE, ST JOSEPH TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 307 OAK TREE TERB, 307, SAINT JOSEPH, MO 64506 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 2248 MT RAINIER CT, NEWMAN, CA 95360-9808 |
| Document Number | 2021007587 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 2021007587 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 316 Hammond St was $814.
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $814.00 | $11,270 Land $3,140 Building $8,130 | $59,360 Land $16,550 Building $42,810 |
| 2024 | $814.00 (+14.81%) | ||
| 2023 | $709.00 (-0.7%) | $10,700 (-) Land $3,140 Building $7,560 | $56,350 Land $16,550 Building $39,800 |
| 2022 | $714.00 | $10,700 Land $3,140 Building $7,560 | |
| 2021 | $56,350 Land $16,550 Building $39,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA has no flood map on file for 316 Hammond 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 risk around 316 Hammond 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 99.1% of the US · lower than 98.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 472 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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 |
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