3501 Harbor Pointe Dr, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 3501 Harbor Pointe Dr, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,714 sqft · built 1996
Lot Size	0.355 acres (15,500 sqft)
Owner	Company Name on Record
Last Sale	$468,800 (Mar 2013)
Tax Bill	$7,342 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
APN	`03-7.0-36-002-000-002.051`

Property Details

APN / Parcel Number

Primary APN	`03-7.0-36-002-000-002.051`

Interior

Building Area	2,714 sqft Base Area
1st Floor Area	2,714 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	15,500 sqft (0.355 acres)
Lot Dimensions	250 ft deep x 62 ft wide

Location & Zoning

Street Address	3501 HARBOR POINTE DR
City	SAINT JOSEPH
State	MO
Zip	64506-4527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:LAKE AT TWELVE OAKS PLAT 2 LOT:11 BLK:0LGL DESC:
Legal Subdivision	LAKE AT TWELVE OAKS PLAT 2
Legal Lot Number	11
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1023
Census Tract	100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3501 HARBOR POINTE DR, SAINT JOSEPH, MO 64506-4527
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2013 · Amount on Record
Deed Sale	Mar 1, 2013 · Amount on Record
Prior Sale	Oct 20, 2011 · Amount on Record
Deed Document Number	20132393
Deed Book / Page	3389 / 349
Prior Transfer Date	Feb 22, 2013
Prior Transfer Doc	03389/0429
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3501 HARBOR POINTE DR, SAINT JOSEPH, MO 64506-4527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3721/174
Date	Jan 2, 2019
Book Page	3721/174
Instrument	2019000015

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 26, 2028

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$7,342.00 (+0.01%)	$104,830 (+6.58%) Land $12,350 Building $92,480	$551,740 (+6.58%) Land $65,000 Building $486,740
2024	$7,341.00 (+15.97%)
2023	$6,330.00 (-0.71%)	$98,360 (-) Land $12,350 Building $86,010	$517,700 (-) Land $65,000 Building $452,700
2022	$6,375.00	$98,360 Land $12,350 Building $86,010
2021			$517,700 Land $65,000 Building $452,700

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 101 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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