3205 Harbor View Dr, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3205 Harbor View Dr, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,561 sqft · built 2001
Lot Size	0.645 acres (28,085 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,109 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2021 Sale
APN	`03-7.0-36-003-000-001.068`

Property Details

APN / Parcel Number

Primary APN	`03-7.0-36-003-000-001.068`

Interior

Building Area	2,561 sqft Base Area
1st Floor Area	2,561 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	28,085 sqft (0.645 acres)
Lot Dimensions	313 ft deep x 89.7 ft wide

Location & Zoning

Street Address	3205 HARBOR VIEW DR
City	SAINT JOSEPH
State	MO
Zip	64506-4568
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:LAKE AT TWELVE OAKS PLAT 3 LOT:56 BLK:0LGL DESC:
Legal Subdivision	LAKE AT TWELVE OAKS PLAT 3
Legal Lot Number	56
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1005
Census Tract	100

Owner

3205 Harbor View Dr is owned and occupied by two individuals who acquired it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3205 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4568
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
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Aug 23, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 19, 2021
Transfer Doc	3766/348
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Recording Date	Jun 3, 2026
Property Address	3205 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4568
Document Number	0000004384
Book / Page	3819 / 151
Instrument Date	May 29, 2026
Instrument	20264384
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4568

Mortgage

Document Number	0000004384,
Date	Jun 3, 2026
Book Page	3819/151
Instrument	20264384

Lender

Name	COMMERCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 23, 2021
Property Address	3205 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4568
Document Number	3766/348
Book / Page	3766 / 348
Instrument Date	Aug 19, 2021
Instrument	2021009031
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	Family Trust
Address	3205 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4568

Tax Assessment & Valuation

The 2025 property tax bill for 3205 Harbor View Dr was $5,109.

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	$5,109.00	$76,490 Land $11,400 Building $65,090	$402,600 Land $60,000 Building $342,600
2024	$5,109.00 (+10.56%)
2023	$4,621.00 (-0.69%)	$71,610 (-) Land $11,400 Building $60,210	$376,900 Land $60,000 Building $316,900
2022	$4,653.00	$71,610 Land $11,400 Building $60,210
2021			$376,900 Land $60,000 Building $316,900

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

Flood

FEMA has no flood map on file for 3205 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 3205 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.

Nearby Properties on Harbor View Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures