4501 Valley Ln, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 4501 Valley Ln, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,440 sqft · built 1962
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,403 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Jun 2021 Mortgage + 1 more
APN	`06-6.0-24-003-001-019.000`

Property Details

APN / Parcel Number

Primary APN	`06-6.0-24-003-001-019.000`

Interior

Building Area	1,440 sqft Base Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	116 ft deep x 72.1 ft wide

Location & Zoning

Street Address	4501 VALLEY LN
City	SAINT JOSEPH
State	MO
Zip	64503-1809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:DEER VALLEY LOT:1 BLK:LGL DESC:
Legal Subdivision	DEER VALLEY
Legal Lot Number	1
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1028
Census Tract	1700

Owner

4501 Valley Ln is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	4501 VALLEY LN, SAINT JOSEPH, MO 64503-1809
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
Nov 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 2, 2019	Deed of Trust, Mortgage · Commercial Mortgage NODAWAY VALLEY BANK

Assessor's Deed Record

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4501 VALLEY LN, SAINT JOSEPH, MO 64503-1809
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003716/756
Date	Nov 27, 2018
Book Page	3716/756
Instrument	2018011072

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2033

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4501 VALLEY LN, SAINT JOSEPH, MO 64503-1809
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4501 VALLEY LN, SAINT JOSEPH, MO 64503-1809

Mortgage

Document Number	003763/946
Date	Jun 25, 2021
Book Page	3763/946
Instrument	2021006617

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4501 VALLEY LN, SAINT JOSEPH, MO 64503-1809
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	NOT AVAILABLE, ST JOSEPH TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003741/986
Date	Oct 2, 2019
Book Page	3741/986
Instrument	2019008432

Lender

Name	NODAWAY VALLEY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4501 Valley Ln was $1,403, up 0.1% 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	$1,403.00 (+0.07%)	$20,020 Land $2,530 Building $17,490	$105,350 Land $13,300 Building $92,050
2024	$1,402.00 (+24.4%)
2023	$1,127.00 (-0.7%)	$17,470 (-) Land $2,850 Building $14,620	$91,970 Land $15,000 Building $76,970
2022	$1,135.00	$17,470 Land $2,850 Building $14,620
2021			$91,970 Land $15,000 Building $76,970

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 4501 Valley Ln.

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 4501 Valley Ln is low, with a 0.02% 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	0.02% 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 140 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
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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