3203 Coveview Ct, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3203 Coveview Ct, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,174 sqft · built 2014
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$438,800 (Dec 2017)
Tax Bill	$4,930 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Feb 2021 Sale + 2 more
APN	`03-7.0-36-003-000-001.037`

Property Details

APN / Parcel Number

Primary APN	`03-7.0-36-003-000-001.037`

Interior

Building Area	2,174 sqft Base Area
1st Floor Area	2,174 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	200 ft deep x 90 ft wide

Location & Zoning

Street Address	3203 COVEVIEW CT
City	SAINT JOSEPH
State	MO
Zip	64506-1867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:LAKE AT TWELVE OAKS PLAT 3 LOT:25 BLK:LGL DESC:
Legal Subdivision	LAKE AT TWELVE OAKS PLAT 3
Legal Lot Number	25
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1023
Census Tract	100

Owner

3203 Coveview Ct is owned and occupied by two individuals who acquired it in February 2021.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867
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
Feb 28, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Feb 26, 2021	Beneficiary Deed, Transfer
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Dec 1, 2017	Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2017 · Amount on File
Deed Sale	Dec 1, 2017 · Amount on File
Prior Sale	Dec 23, 2014 · Amount on File
Deed Document Number	201711898
Last Transfer Date	Feb 26, 2021
Transfer Doc	003759/329
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867
Transaction Type	Mortgage
Record Updated	Mar 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867

Mortgage

Document Number	003784/878
Date	Feb 28, 2023
Book Page	3784/878
Instrument	2023001363

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	118 Months
Due	Dec 7, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 26, 2021
Property Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867
Document Number	003759/329
Book / Page	3759 / 329
Instrument Date	Feb 26, 2021
Instrument	2021001971
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867

Mortgage

Document Number	3757/397
Date	Jan 4, 2021
Book Page	3757/397
Instrument	2021000028

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Dec 1, 2017
Property Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867
Document Number	2017011898
Instrument Date	Nov 2, 2017
Instrument	2017011898
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	PREFERRED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3203 COVEVIEW CT, SAINT JOSEPH, MO 64506-1867

Mortgage

Document Number	2017011899
Date	Dec 1, 2017
Instrument	2017011899

Lender

Name	NORTH AMERICAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3203 Coveview Ct was $4,930.

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	$4,930.00	$70,240 Land $10,450 Building $59,790	$369,700 Land $55,000 Building $314,700
2024	$4,930.00 (+22%)
2023	$4,041.00 (+2.38%)	$62,590 (+3.13%) Land $10,450 Building $52,140	$329,400 Land $55,000 Building $274,400
2022	$3,947.00	$60,690 Land $10,450 Building $50,240
2021			$319,400 Land $55,000 Building $264,400

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 3203 Coveview Ct.

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

Wildfire risk around 3203 Coveview Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	0.02% 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 353 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

May also be available: Mercury Fiber.

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