3206 Locust St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 3206 Locust St, Saint Joseph, MO 64501 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1988
Square Footage	1,204 sqft Base Area
Lot Size	12,300 sqft (0.282 acres)
Occupancy	Owner Occupied
Last Sale	$122,900 (2010)
Tax Bill	$1,368.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-5.0-15-001-001-047.003`

Interior

Building Area	1,204 sqft Base Area
1st Floor	1,204 sqft 1st Floor

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	12,300 sqft (0.282 acres)
Depth X Width	150 ft x 82 ft Depth x Width

Location & Zoning

Street Address	3206 LOCUST ST
City	SAINT JOSEPH
State	MO
Zip	64501-3422
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SUB:OAK HILL LOT:00 BLK:19LGL DESC:E 82' OF W 178' B 19 & THAT PART OF ABANDONED RR ON S
Legal Subdivision	OAK HILL
Legal Block	19
Jurisdiction	BUCHANAN MO
Minor Civil Division	WASHINGTON
Census Blockgroup	1
Census Block	1001
Census Tract	1600

Owner

Source: Buchanan County records · APN 06-5.0-15-001-001-047.003

Assessment roll updated November 4, 2025 · Last verified June 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 File
Mailing Address	3206 LOCUST ST, SAINT JOSEPH, MO 64501-3422
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 28, 2010 · Amount on Record
Deed Sale	May 28, 2010 · Amount on Record
Deed Doc Number	20105666
Deed Book / Page	3212 / 298
Record Refreshed	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3206 LOCUST ST, SAINT JOSEPH, MO 64501-3422
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 LOCUST ST, SAINT JOSEPH, MO 64501-3422

Mortgage

Document Number	3769/234
Date	Nov 01, 2021
Book Page	3769/234
Instrument	2021011938

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	259 Months
Due	Jun 01, 2043

Tax Assessment & Valuation

Source: Buchanan County records · Assessment roll updated November 4, 2025 · Last verified June 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,368.00	$19,200 (+8.78%) Land $1,520 Building $17,680	$101,070 (+8.81%) Land $8,000 Building $93,070
2024	$1,368.00 (+18.85%)
2023	$1,151.00 (-0.69%)	$17,650 (-) Land $1,520 Building $16,130	$92,890 (-) Land $8,000 Building $84,890
2022	$1,159.00	$17,650 Land $1,520 Building $16,130
2021			$92,890 Land $8,000 Building $84,890

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	FEMA flood map data for this location is not available in our records

Wildfire

Wildfire Risk	Low above 32% of the US · above 22% of Missouri
Wildfire Likelihood	About 1 in 3,030 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.