4301 Karnes Rd, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 4301 Karnes Rd, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	3,160 sqft · built 2002
Lot Size	9.14 acres (398,138 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,839 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Oct 2019 Mortgage
APN	`03-7.0-35-001-000-001.002`

Property Details

APN / Parcel Number

Primary APN	`03-7.0-35-001-000-001.002`

Interior

Building Area	3,160 sqft Base Area
1st Floor Area	3,160 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	398,138 sqft (9.14 acres)

Location & Zoning

Street Address	4301 KARNES RD
City	SAINT JOSEPH
State	MO
Zip	64506-1780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	35-58-35NESUB: LOT: BLK:LGL DESC:BEG SE COR NE4 TH W 840' N 20' TO POB TH W 610' N 470' NE 116.11' NE 125.64' SE 238.82' SE 104' NE 30.5' SE 148' SWLY ALG CURVE 400' S 60' TO POB
Legal Range	35W
Legal Township	58N
Legal Section	35
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1012
Census Tract	100

Owner

4301 Karnes Rd is owned and occupied by two individuals who acquired it in October 2019.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4301 KARNES RD, SAINT JOSEPH, MO 64506-1780
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage UMB BANK NA
Oct 7, 2019	Warranty Deed, Transfer · Conventional Mortgage UMB BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019
Deed Sale	Oct 7, 2019
Prior Sale	Dec 16, 2008 · Amount on File
Deed Document Number	20198672
Deed Book / Page	3742 / 222
Prior Transfer Date	Aug 29, 2019
Prior Transfer Doc	0000007246
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4301 KARNES RD, SAINT JOSEPH, MO 64506-1780
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3742/223
Date	Oct 7, 2019
Book Page	3742/223
Instrument	2019008673

Lender

Name	UMB BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 7, 2019
Property Address	4301 KARNES RD, SAINT JOSEPH, MO 64506-1780
Document Number	003742/222
Book / Page	3742 / 222
Instrument Date	Oct 4, 2019
Instrument	2019008672
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4301 KARNES RD, SAINT JOSEPH, MO 64506-1780
Investor	Possibly a Property Investor

Mortgage

Document Number	003742/223
Date	Oct 7, 2019
Book Page	3742/223
Instrument	2019008673

Lender

Name	UMB BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4301 Karnes Rd was $12,839, up % from the year before.

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	$12,839.00 (+0.01%)	$183,510 Land $19,000 Building $164,510	$965,820 Land $100,000 Building $865,820
2024	$12,838.00 (+15.74%)
2023	$11,092.00 (-0.7%)	$172,550 (-) Land $19,000 Building $153,550	$908,150 Land $100,000 Building $808,150
2022	$11,170.00	$172,550 Land $19,000 Building $153,550
2021			$908,150 Land $100,000 Building $808,150

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

Flood

FEMA has no flood map on file for 4301 Karnes Rd.

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

Wildfire risk around 4301 Karnes Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 128 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
AT&T Fixed Wireless	100 / 20

May also be available: Metronet.

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