3520 Lafayette St, Saint Joseph, MO 64507 Property Records

Buchanan County property record for 3520 Lafayette St, Saint Joseph, MO 64507

Property Summary

Property Type	Single Family Home
Details	1,144 sqft · built 1985
Lot Size	0.157 acres (6,850 sqft)
Owner	Individual Name on Record
Last Sale	$99,000 (Aug 2020)
Tax Bill	$1,047 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
APN	`06-5.0-15-001-002-023.000`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-15-001-002-023.000`

Interior

Building Area	1,144 sqft Base Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	6,850 sqft (0.157 acres)
Lot Dimensions	137 ft deep x 50 ft wide

Location & Zoning

Street Address	3520 LAFAYETTE ST
City	SAINT JOSEPH
State	MO
Zip	64507-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:SHAW & KILBY'S LOT:6 BLK:5LGL DESC:
Legal Subdivision	SHAW & KILBYS
Legal Block	5
Legal Lot Number	6
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1013
Census Tract	1600

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	Individual Name on Record
Mailing Address	3520 LAFAYETTE ST, SAINT JOSEPH, MO 64507-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Sep 13, 2010
Deed Document Number	20207809
Deed Book / Page	3752 / 636
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 31, 2020
Property Address	3520 LAFAYETTE ST, SAINT JOSEPH, MO 64507-2126
Document Number	003752/636
Book / Page	3752 / 636
Instrument Date	Aug 31, 2020
Instrument	2020007809
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL ST JOSEPH LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 LAFAYETTE ST, SAINT JOSEPH, MO 64507-2126

Mortgage

Document Number	2020007810
Date	Aug 31, 2020
Instrument	2020007810

Lender

Name	HNB NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$1,047.00	$14,670 (+12.41%) Land $1,520 Building $13,150	$77,220 (+12.45%) Land $8,000 Building $69,220
2024	$1,047.00 (+22.74%)
2023	$853.00 (-0.7%)	$13,050 (-) Land $1,520 Building $11,530	$68,670 (-) Land $8,000 Building $60,670
2022	$859.00	$13,050 Land $1,520 Building $11,530
2021			$68,670 Land $8,000 Building $60,670

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	Not rated no burnable land within 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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20