Buchanan County property record for 4509 Libby Ln, Saint Joseph, MO 64503
| Property Type | Single Family Home |
|---|---|
| Details | 1,410 sqft · built 2018 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $125,000 (Aug 2018) |
| Tax Bill | $1,961 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage May 2026 Sale + 2 more |
| APN | 06-8.0-28-003-000-001.055 |
| Primary APN | 06-8.0-28-003-000-001.055 |
|---|
| Building Area | 1,410 sqft Base Area |
|---|---|
| 1st Floor Area | 1,410 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 145 ft deep x 75 ft wide |
| Street Address | 4509 LIBBY LN |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64503-5105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:KERNS KREST LOT:55 BLK:0LGL DESC: |
| Legal Subdivision | KERNS KREST |
| Legal Lot Number | 55 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 2100 |
Source: Buchanan County records, as of June 11, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 4509 ZIPPY LN, SAINT JOSEPH, MO 64503 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Mar 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OPEN MORTGAGE LLC |
| May 26, 2026 | Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Aug 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK OF MISSOURI |
| Aug 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANK OF MISSOURI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on Record |
| Deed Sale | Aug 30, 2018 · Amount on Record |
| Deed Document Number | 20188007 |
| Deed Book / Page | 3703 / 470 |
| Last Transfer Date | Mar 26, 2026 |
| Transfer Doc | 0000004105 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 4509 LIBBY LN, SAINT JOSEPH, MO 64503-5105 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Title Company | PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L |
| Name | Verified Name |
|---|
| Document Number | 003747/226 |
|---|---|
| Date | Mar 27, 2020 |
| Book Page | 3747/226 |
| Instrument | 2020002372 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78737 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | May 26, 2026 |
| Property Address | 4509 LIBBY LN, SAINT JOSEPH, MO 64503-5105 |
| Document Number | 0000004105 |
| Book / Page | 3818 / 873 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 20264105 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 4509 LIBBY LN, SAINT JOSEPH, MO 64503-5105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 3703/472 |
|---|---|
| Date | Aug 30, 2018 |
| Book Page | 3703/472 |
| Instrument | 2018008008 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Aug 30, 2018 |
| Property Address | 4509 LIBBY LN, SAINT JOSEPH, MO 64503-5105 |
| Document Number | 003703/470 |
| Book / Page | 3703 / 470 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 2018008007 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 8092, SAINT JOSEPH, MO 64508-8092 |
| Document Number | 003703/472 |
|---|---|
| Date | Aug 30, 2018 |
| Book Page | 3703/472 |
| Instrument | 2018008008 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
| Rate Type | Fixed Rate |
|---|
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 | $1,961.00 | $28,600 (+6.16%) Land $4,850 Building $23,750 | $150,510 (+6.16%) Land $25,500 Building $125,010 |
| 2024 | $1,961.00 (+10.79%) | ||
| 2023 | $1,770.00 (-0.67%) | $26,940 (-) Land $4,850 Building $22,090 | $141,780 (-) Land $25,500 Building $116,280 |
| 2022 | $1,782.00 | $26,940 Land $4,850 Building $22,090 | |
| 2021 | $141,780 Land $25,500 Building $116,280 |
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.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 7 (1981–1993) |
| Most Recent Claim | Jul 1993 · Severe Storms & Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · lower than 73% of Missouri |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 135 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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