3209 Harbor View Dr, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3209 Harbor View Dr, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,726 sqft · built 2001
Lot Size	1.11 acres (48,352 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Oct 2020)
Tax Bill	$4,613 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
APN	`03-7.0-36-003-000-001.066`

Property Details

APN / Parcel Number

Primary APN	`03-7.0-36-003-000-001.066`

Interior

Building Area	1,726 sqft Base Area
1st Floor Area	1,726 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	48,352 sqft (1.11 acres)
Lot Dimensions	374 ft deep x 85 ft wide

Location & Zoning

Street Address	3209 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:54 BLK:0LGL DESC:
Legal Subdivision	LAKE AT TWELVE OAKS PLAT 3
Legal Lot Number	54
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1005
Census Tract	100

Owner

3209 Harbor View Dr is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3209 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2020 · Amount on File
Deed Sale	Oct 7, 2020 · Amount on File
Prior Sale	Feb 4, 2015
Deed Document Number	20209313
Deed Book / Page	3754 / 131
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 7, 2020
Property Address	3209 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4568
Document Number	003754/131
Book / Page	3754 / 131
Instrument Date	Oct 6, 2020
Instrument	2020009313
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6179 SOUTHLAKE DR, 6179, PARKVILLE, MO 64152-7209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3209 HARBOR VIEW DR, SAINT JOSEPH, MO 64506-4568

Mortgage

Document Number	2020009314
Date	Oct 7, 2020
Instrument	2020009314

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3209 Harbor View Dr was $4,613.

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	$4,613.00	$65,540 Land $12,350 Building $53,190	$344,950 Land $65,000 Building $279,950
2024	$4,613.00 (+15.24%)
2023	$4,003.00 (-0.69%)	$61,840 (-) Land $12,350 Building $49,490	$325,450 Land $65,000 Building $260,450
2022	$4,031.00	$61,840 Land $12,350 Building $49,490
2021			$325,450 Land $65,000 Building $260,450

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 3209 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 3209 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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