3922 River Rd, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 3922 River Rd, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,964 sqft · built 1996
Lot Size	0.092 acres (4,010 sqft)
Owner	Company Name on Record
Tax Bill	$2,455 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2020 Sale + 1 more
APN	`03-9.0-31-002-000-017.000`

Property Details

APN / Parcel Number

Primary APN	`03-9.0-31-002-000-017.000`

Interior

Building Area	1,964 sqft Base Area
1st Floor Area	1,964 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	4,010 sqft (0.092 acres)
Lot Dimensions	89.9 ft deep x 44.6 ft wide

Location & Zoning

Street Address	3922 RIVER RD
City	SAINT JOSEPH
State	MO
Zip	64505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	31-58-35NWSUB: LOT: BLK:LGL DESC:PT S1/2 NW4 FROM PT ON W R/W/L CO RD 1862.5' SW OF N/L NW4 TH NW PARL TO N/L 788.95' SW 196.90' FOR POB TH SW 34.6' NW 105' TO ELY R/L OF US PROPERTY ACQUIRED FOR REALINGMENT & MO RIVER TH NE 10' SE 10' NE 34.19' SE 8
Legal Range	35W
Legal Township	58N
Legal Section	31
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2011
Census Tract	300

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	4000 RIVER RD, SAINT JOSEPH, MO 64505-3211
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Nov 12, 2020	Warranty Deed, Transfer
Sep 16, 2020	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2020
Deed Sale	Nov 12, 2020
Deed Document Number	202010677
Deed Book / Page	3755 / 492
Prior Transfer Date	Sep 15, 2020
Prior Transfer Doc	003753/233
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	3922 RIVER RD, SAINT JOSEPH, MO 64505
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003747/723
Date	Apr 14, 2020
Book Page	3747/723
Instrument	2020002870

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Nov 12, 2020
Property Address	3922 RIVER RD, SAINT JOSEPH, MO 64505
Document Number	003755/492
Book / Page	3755 / 492
Instrument Date	Nov 10, 2020
Instrument	2020010677
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4000 RIVER RD, SAINT JOSEPH, MO 64505-3211

September 2020: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 16, 2020
Property Address	3922 RIVER RD, SAINT JOSEPH, MO 64505
Document Number	003753/233
Book / Page	3753 / 233
Instrument Date	Sep 15, 2020
Instrument	2020008413
Transaction Type	Transfer
Record Updated	Dec 4, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4000 RIVER RD, SAINT JOSEPH, MO 64505-3211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1801 RANDOLPH ST, SAINT JOSEPH, MO 64505-1860

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	$2,455.00	$35,300 (+7.33%) Land $760 Building $34,540	$185,780 (+7.31%) Land $4,000 Building $181,780
2024	$2,455.00 (+16.9%)
2023	$2,100.00 (-0.71%)	$32,890 (-) Land $760 Building $32,130	$173,130 (-) Land $4,000 Building $169,130
2022	$2,115.00	$32,890 Land $760 Building $32,130
2021			$173,130 Land $4,000 Building $169,130

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, effective September 12, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Outside mapped area
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	53 (1984–2019)
Claims Outside the SFHA	9 of 53
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Mar 2019 · 10 claims Flooding, Jul 2011 · 18 claims Severe Storms & Flooding, Jul 1993 · 11 claims

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.

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 97.4% of Kansas
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
St Joe Wireless Fixed Wireless	30 / 30

May also be available: Mercury Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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