Buchanan County property record for 3736 Charles St, Saint Joseph, MO 64506
| Property Type | Single Family Home |
|---|---|
| Details | 1,316 sqft · built 2015 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,100 (Jan 2022) |
| Tax Bill | $1,875 (2025) |
| Deeds & Mortgages | Jun 2019 Mortgage Jan 2022 Mortgage + 2 more |
| APN | 06-1.0-11-003-001-020.004 |
| Primary APN | 06-1.0-11-003-001-020.004 |
|---|
| Building Area | 1,316 sqft Base Area |
|---|---|
| 1st Floor Area | 1,316 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 116 ft deep x 40 ft wide |
| Street Address | 3736 CHARLES ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64506-3462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | 11-57-35SWSUB:CHARLES WAY LOT:2 BLK:LGL DESC: |
| Legal Range | 35W |
| Legal Township | 57N |
| Legal Section | 11 |
| Legal Subdivision | CHARLES WAY |
| Legal Lot Number | 2 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 701 |
3736 Charles St is owned by two individuals who bought it in January 2022.
Source: Buchanan County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1403 N BELT HWY, B, SAINT JOSEPH, MO 64506-2415 |
| 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.
| Date | Document |
|---|---|
| Jun 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Jan 12, 2022 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 18, 2021 | Warranty Deed, Transfer FIRST AMERICAN TTL INS COMPA |
| May 21, 2018 | Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2022 · Amount on File |
| Deed Sale | Jan 12, 2022 · Amount on File |
| Prior Sale | Aug 18, 2021 |
| Deed Document Number | 2022400 |
| Deed Book / Page | 3771 / 834 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 3736 CHARLES ST, SAINT JOSEPH, MO 64506-3462 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003738/444 |
|---|---|
| Date | Jun 14, 2019 |
| Book Page | 3738/444 |
| Instrument | 2019004865 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 6, 2029 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jan 12, 2022 |
| Property Address | 3736 CHARLES ST, SAINT JOSEPH, MO 64506-3462 |
| Document Number | 003771/834 |
| Book / Page | 3771 / 834 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2022000400 |
| Transaction Type | Transfer |
| Record Updated | Jan 24, 2022 |
| Title Company | PREFERRED TTL OF ST JOSEPH L |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1403 BEATTIE ST # B, B, SAINT JOSEPH, MO 64501-1300 |
| Investor | Possibly a Property Investor |
| Document Number | 003771/835 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 3771/835 |
| Instrument | 2022000401 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Aug 18, 2021 |
| Property Address | 3736 CHARLES ST, SAINT JOSEPH, MO 64506-3462 |
| Document Number | 003766/200 |
| Book / Page | 3766 / 200 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 2021008882 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST AMERICAN TTL INS COMPA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3736 CHARLES ST, SAINT JOSEPH, MO 64506-3462 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | May 21, 2018 |
| Property Address | 3736 CHARLES ST, SAINT JOSEPH, MO 64506-3462 |
| Document Number | 2018004549 |
| Instrument Date | May 21, 2018 |
| Instrument | 2018004549 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 24, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3736 CHARLES ST, SAINT JOSEPH, MO 64506-3462 |
The 2025 property tax bill for 3736 Charles St was $1,875.
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,875.00 | $26,130 Land $4,750 Building $21,380 | $137,500 Land $25,000 Building $112,500 |
| 2024 | $1,875.00 (+15.67%) | ||
| 2023 | $1,621.00 (-0.67%) | $24,640 (-) Land $4,750 Building $19,890 | $129,670 Land $25,000 Building $104,670 |
| 2022 | $1,632.00 | $24,640 Land $4,750 Building $19,890 | |
| 2021 | $129,670 Land $25,000 Building $104,670 |
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.
FEMA has no flood map on file for 3736 Charles St.
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 risk around 3736 Charles St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 226 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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