3206 Morningside Dr, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 3206 Morningside Dr, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,196 sqft · built 1964
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$154,200 (Apr 2020)
Tax Bill	$1,295 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2020 Mortgage + 2 more
APN	`06-5.0-22-004-000-113.000`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-22-004-000-113.000`

Interior

Building Area	1,196 sqft Base Area
1st Floor Area	1,196 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	207 ft deep x 59.4 ft wide

Location & Zoning

Street Address	3206 MORNINGSIDE DR
City	SAINT JOSEPH
State	MO
Zip	64503-1355
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:MORNINGSIDE ADDITION LOT:100 BLK:LGL DESC:
Legal Subdivision	MORNINGSIDE ADDITION
Legal Lot Number	100
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1023
Census Tract	1800

Owner

3206 Morningside Dr is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355
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
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage GOETZ CREDIT UNION
Apr 17, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Oct 31, 2017	Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2020 · Amount on File
Deed Sale	Apr 17, 2020 · Amount on File
Prior Sale	Oct 31, 2017
Deed Document Number	20202969
Deed Book / Page	3747 / 822
Prior Transfer Date	Aug 15, 2011
Prior Transfer Doc	03285/0304
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Recording Date	May 14, 2026
Property Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355
Document Number	0000003754
Book / Page	3818 / 527
Instrument Date	May 7, 2026
Instrument	20263754
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355

Mortgage

Document Number	0000003754,
Date	May 14, 2026
Book Page	3818/527
Instrument	20263754

Lender

Name	GOETZ CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 17, 2020
Property Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355
Document Number	003747/822
Book / Page	3747 / 822
Instrument Date	Apr 15, 2020
Instrument	2020002969
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355

Mortgage

Document Number	2020002970
Date	Apr 17, 2020
Instrument	2020002970

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3740/827
Date	Aug 30, 2019
Book Page	3740/827
Instrument	2019007267

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 31, 2017
Property Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355
Document Number	2017010887
Instrument Date	Oct 30, 2017
Instrument	2017010887
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 MORNINGSIDE DR, SAINT JOSEPH, MO 64503-1355

Tax Assessment & Valuation

The 2025 property tax bill for 3206 Morningside Dr was $1,295, up 0.1% from the year before.

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	$1,295.00 (+0.08%)	$18,030 Land $3,420 Building $14,610	$94,900 Land $18,000 Building $76,900
2024	$1,294.00 (+15.64%)
2023	$1,119.00 (-0.71%)	$17,010 (-) Land $3,420 Building $13,590	$89,540 Land $18,000 Building $71,540
2022	$1,127.00	$17,010 Land $3,420 Building $13,590
2021			$89,540 Land $18,000 Building $71,540

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 3206 Morningside Dr; there have been 5 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1984–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · other causes
Claims by Event	Severe Storms And Flooding, May 2007 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3206 Morningside Dr 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.

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 346 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
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Verizon.

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