3907 S 48th Ter, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 3907 S 48th Ter, Saint Joseph, MO 64503

Property Summary

Property Type	Warehouse, Storage
Details	58,800 sqft · built 1995
Lot Size	5.52 acres (240,451 sqft)
Owner	Company Name on Record
Tax Bill	$44,482 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2025 Line of Credit
APN	`06-7.0-25-002-000-013.000`

Property Details

APN / Parcel Number

Primary APN	`06-7.0-25-002-000-013.000`

Interior

Building Area	58,800 sqft Base Area
1st Floor Area	58,800 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	240,451 sqft (5.52 acres)

Location & Zoning

Street Address	3907 S 48TH TER
City	SAINT JOSEPH
State	MO
Zip	64503-4711
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Local Zoning Code	CITY
Legal Description	25-57-35NWSUB: LOT: BLK:LGL DESC:BEG AT PT 490' N OF SE COR NW4 TH N 329' W 705' S 320' E 735' TO POB LYING IN SE4 OF NW4
Legal Range	35W
Legal Township	57N
Legal Section	25
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1028
Census Tract	1700

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	3601 S LEONARD RD, SAINT JOSEPH, MO 64503-1764
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Deed of Trust, Mortgage · Line of Credit EMPRISE BANK
Nov 25, 2025	Deed of Trust, Mortgage · Line of Credit FIRST OPTION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3907 S 48TH TER, SAINT JOSEPH, MO 64503-4711
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	KANSAS SECURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3601 S LEONARD RD, SAINT JOSEPH, MO 64503-1764

Mortgage

Document Number	003815/419
Date	Jan 29, 2026
Book Page	3815/419
Instrument	2026000605

Lender

Name	EMPRISE BANK
Type	Bank
Address	WICHITA, KS 67201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3907 S 48TH TER, SAINT JOSEPH, MO 64503-4711
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003813/764
Date	Nov 25, 2025
Book Page	3813/764
Instrument	2025009847

Lender

Name	FIRST OPTION BANK
Type	Bank
Address	ELWOOD, KS 66024

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$44,482.00 (+7.75%)	$560,000 (-) Land $76,940 Building $483,060	$1,750,000 (-) Land $240,450 Building $1,509,550
2023	$41,284.00 (-0.61%)	$560,000 (-) Land $76,940 Building $483,060	$1,750,000 (-) Land $240,450 Building $1,509,550
2022	$41,539.00 (+0.09%)	$560,000 Land $76,940 Building $483,060
2021			$1,750,000 Land $240,450 Building $1,509,550
2020	$41,501.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.05% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000

May also be available: Mercury Fiber.

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