3204 Harbor View Dr, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3204 Harbor View Dr, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,401 sqft · built 2002
Lot Size	0.301 acres (13,125 sqft)
Owner	Individual Name on File
Last Sale	$675,710 (Jun 2026)
Tax Bill	$5,601 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2025 Line of Credit
APN	`03-7.0-36-003-000-001.073`

Property Details

APN / Parcel Number

Primary APN	`03-7.0-36-003-000-001.073`

Interior

Building Area	2,401 sqft Base Area
1st Floor Area	2,401 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	13,125 sqft (0.301 acres)
Lot Dimensions	226 ft deep x 58 ft wide

Location & Zoning

Street Address	3204 HARBOR VIEW DR
City	SAINT JOSEPH
State	MO
Zip	64506-4567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:LAKE AT TWELVE OAKS PLAT 3 LOT:60 BLK:0LGL DESC:
Legal Subdivision	LAKE AT TWELVE OAKS PLAT 3
Legal Lot Number	60
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1005
Census Tract	100

Owner

3204 Harbor View Dr is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3204 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jun 26, 2026	Warranty Deed, Transfer · VA Mortgage US BANK
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit FIRST OPTION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Deed Document Number	20265165
Deed Book / Page	3819 / 921
Prior Transfer Date	Apr 28, 2022
Prior Transfer Doc	003775/462
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 26, 2026
Property Address	3204 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4567
Document Number	0000005165
Book / Page	3819 / 921
Instrument Date	Jun 25, 2026
Instrument	20265165
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C, ST JOSEPH TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4567

Mortgage

Document Number	0000005166,
Date	Jun 26, 2026
Book Page	3819/922
Instrument	20265166

Lender

Name	US BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3204 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4567
Transaction Type	Mortgage
Record Updated	Nov 25, 2025
Title Company	THOMSON AFFINITY TITLE, THOMSON AFFINITY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3204 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4567

Mortgage

Document Number	003813/374
Date	Nov 12, 2025
Book Page	3813/374
Instrument	2025009454

Lender

Name	FIRST OPTION BANK
Type	Bank
Address	OSAWATOMIE, KS 66064

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3204 Harbor View Dr was $5,601.

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	$5,601.00	$79,770 Land $12,350 Building $67,420	$419,830 Land $65,000 Building $354,830
2024	$5,601.00 (+14.99%)
2023	$4,871.00 (-0.69%)	$75,460 (-) Land $12,350 Building $63,110	$397,140 Land $65,000 Building $332,140
2022	$4,905.00	$75,460 Land $12,350 Building $63,110
2021			$397,140 Land $65,000 Building $332,140

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 3204 Harbor View Dr.

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 3204 Harbor View Dr 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 97% of the US · lower than 95% 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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