Buchanan County property record for 3906 Vera Ln, Saint Joseph, MO 64503
| Property Type | Single Family Home |
|---|---|
| Details | 1,800 sqft · built 1971 |
| Lot Size | 1.27 acres (55,321 sqft) |
| Owner | Company Name on Record |
| Last Sale | $345,600 (Oct 2025) |
| Tax Bill | $1,834 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2025 Line of Credit + 1 more |
| APN | 06-7.0-35-002-001-050.000 |
| Primary APN | 06-7.0-35-002-001-050.000 |
|---|
| Building Area | 1,800 sqft Base Area |
|---|---|
| 1st Floor Area | 1,800 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Lot Area | 55,321 sqft (1.27 acres) |
| Street Address | 3906 VERA LN |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64503-2244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1 |
| Legal Description | 35-57-35NWSUB: LOT: BLK:LGL DESC:BEG PT ON E/L NW4 1405.25' S OF NE COR NW4 TH W 289.5' TO POB TH N 216' W 235' S 216' E 235' TO POB ALSO STRIP IMMEDIATEL Y NOF & ADJ BEING 20' N & S & 235' E & W ALSO EASEMENT ON ROAD |
| Legal Range | 35W |
| Legal Township | 57N |
| Legal Section | 35 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 2200 |
Source: Buchanan County records, as of June 22, 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 | 6507 GRANT ST, SAINT JOSEPH, MO 64504-1901 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 24, 2025 | Deed of Trust, Mortgage · Line of Credit CROSSROADS MANAGEMENT GROUP LLC |
| Oct 17, 2025 | Personal Representative Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2025 · Amount on Record |
| Deed Sale | Oct 24, 2025 · Amount on Record |
| Prior Sale | Oct 17, 2025 |
| Deed Document Number | 20258900 |
| Deed Book / Page | 3812 / 823 |
| Prior Transfer Date | Dec 12, 2012 |
| Prior Transfer Doc | 03377/0114 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 15, 2026 |
| Property Address | 3906 VERA LN, SAINT JOSEPH, MO 64503-2244 |
| Document Number | 0000004782 |
| Book / Page | 3819 / 539 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 20264782 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Address | 11603 JEFFERSON ST, STEWARTSVILLE, MO 64490-9172 |
| Document Number | 0000004782, |
|---|---|
| Date | Jun 15, 2026 |
| Book Page | 3819/539 |
| Instrument | 20264782 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 3906 VERA LN, SAINT JOSEPH, MO 64503-2244 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 6507 GRANT ST, SAINT JOSEPH, MO 64504-1901 |
| Document Number | 003812/824 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 3812/824 |
| Instrument | 2025008901 |
| Name | CROSSROADS MANAGEMENT GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | MISSION, KS 66202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Oct 17, 2025 |
| Property Address | 3906 VERA LN, SAINT JOSEPH, MO 64503-2244 |
| Document Number | 003812/591 |
| Book / Page | 3812 / 591 |
| Instrument Date | Oct 16, 2025 |
| Instrument | 2025008667 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 411 JULES ST RM 202, 202, SAINT JOSEPH, MO 64501-1731 |
| Name | Verified Name |
|---|---|
| Address | 3906 VERA LN, SAINT JOSEPH, MO 64503-2244 |
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,834.00 | $26,300 (+6.05%) Land $4,750 Building $21,550 | $138,440 (+6.06%) Land $25,000 Building $113,440 |
| 2024 | $1,834.00 (+14.91%) | ||
| 2023 | $1,596.00 (-0.68%) | $24,800 (-) Land $4,750 Building $20,050 | $130,530 (-) Land $25,000 Building $105,530 |
| 2022 | $1,607.00 | $24,800 Land $4,750 Building $20,050 | |
| 2021 | $130,530 Land $25,000 Building $105,530 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 1 (2009) |
| Most Recent Claim | Apr 2009 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 75% of Missouri |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 67 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 |
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