403 Phillip St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 403 Phillip St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	1,720 sqft · built 2003
Lot Size	3.13 acres (136,343 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,081 (2025)
APN	`11-3.0-05-002-000-001.004`

Property Details

APN / Parcel Number

Primary APN	`11-3.0-05-002-000-001.004`

Interior

Building Area	1,720 sqft Base Area
1st Floor Area	1,720 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	136,343 sqft (3.13 acres)

Location & Zoning

Street Address	403 PHILLIP ST
City	SAINT JOSEPH
State	MO
Zip	64504-2711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	05-56-35NWSUB:SOUTH HAVEN LOT:5 BLK:LGL DESC:
Legal Range	35W
Legal Township	56N
Legal Section	05
Legal Subdivision	SOUTH HAVEN
Legal Lot Number	5
Jurisdiction	BUCHANAN MO
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1027
Census Tract	2300

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	2 Individual Names on Record
Mailing Address	403 PHILLIP ST, SAINT JOSEPH, MO 64504-2711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

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	$3,081.00 (+0.03%)	$43,130 (+22.91%) Land $4,870 Building $38,260	$227,030 (+22.94%) Land $25,650 Building $201,380
2024	$3,080.00 (+34.03%)
2023	$2,298.00 (-0.69%)	$35,090 (-) Land $4,750 Building $30,340	$184,660 (-) Land $25,000 Building $159,660
2022	$2,314.00	$35,090 Land $4,750 Building $30,340
2021			$184,660 Land $25,000 Building $159,660

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force

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	Moderate above 45% of the US · above 50% of Missouri
Wildfire Likelihood	0.08% 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 103 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
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20