Buchanan County property record for 404 Payne Ter, Saint Joseph, MO 64506
| Property Type | Single Family Home |
|---|---|
| Details | 1,380 sqft · built 1957 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | Individual Name on File |
| Last Sale | $112,500 (Nov 2018) |
| Tax Bill | $1,497 (2025) |
| Deeds & Mortgages | Jan 2021 Construction Loan Nov 2018 Mortgage + 2 more |
| APN | 06-1.0-11-003-001-078.000 |
| Primary APN | 06-1.0-11-003-001-078.000 |
|---|
| Building Area | 1,380 sqft Base Area |
|---|---|
| 1st Floor Area | 1,380 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Lot Area | 5,706 sqft (0.131 acres) |
| Lot Dimensions | 145 ft deep x 39.3 ft wide |
| Street Address | 404 PAYNE TER |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64506-3436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:PAYNE ADDITION LOT:5 BLK:LGL DESC: |
| Legal Subdivision | PAYNE ADDITION |
| Legal Lot Number | 5 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 701 |
404 Payne Ter is owned and occupied by an individual who bought it in November 2018.
Source: Buchanan County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 PAYNE TER, SAINT JOSEPH, MO 64506-3436 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Construction Mortgage US BANK NA |
| Nov 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Feb 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK TRUST NA |
| Nov 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2018 · Amount on File |
| Deed Sale | Nov 26, 2018 · Amount on File |
| Prior Sale | Jul 18, 2016 · Amount on File |
| Deed Document Number | 201811032 |
| Deed Book / Page | 3716 / 565 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 404 PAYNE TER, SAINT JOSEPH, MO 64506-3436 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 404 PAYNE TER, SAINT JOSEPH, MO 64506-3436 |
| Document Number | 0003758/70 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 3758/70 |
| Instrument | 2021000704 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Dec 9, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 404 PAYNE TER, SAINT JOSEPH, MO 64506-3436 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003716/584 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 3716/584 |
| Instrument | 2018011034 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 21, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 404 PAYNE TER, SAINT JOSEPH, MO 64506-3436 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | SOLIDIFI TITLE |
| Name | Verified Name |
|---|
| Document Number | 003746/258 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 3746/258 |
| Instrument | 2020001399 |
| Name | US BANK TRUST NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 5, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Nov 26, 2018 |
| Property Address | 404 PAYNE TER, SAINT JOSEPH, MO 64506-3436 |
| Document Number | 003716/565 |
| Book / Page | 3716 / 565 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 2018011032 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 916 SW REDROCK CIRCLE, 916, LEES SUMMIT, MO 64081 |
| Name | Verified Name |
|---|---|
| Address | 404 PAYNE TER, SAINT JOSEPH, MO 64506-3436 |
| Document Number | 003716/567 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 3716/567 |
| Instrument | 2018011033 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2038 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 404 Payne Ter was $1,497, up 0.1% from the year before.
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 | $1,497.00 (+0.07%) | $20,950 Land $2,380 Building $18,570 | $110,260 Land $12,500 Building $97,760 |
| 2024 | $1,496.00 (+16.33%) | ||
| 2023 | $1,286.00 (-0.69%) | $19,660 (-) Land $2,380 Building $17,280 | $103,450 Land $12,500 Building $90,950 |
| 2022 | $1,295.00 | $19,660 Land $2,380 Building $17,280 | |
| 2021 | $103,450 Land $12,500 Building $90,950 |
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 404 Payne Ter.
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 404 Payne Ter is low, with 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 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | 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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