4510 Valley Ln, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 4510 Valley Ln, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1962
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$137,846 (Jun 2022)
Tax Bill	$977 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2024 Mortgage + 3 more
APN	`06-6.0-24-003-001-069.000`

Property Details

APN / Parcel Number

Primary APN	`06-6.0-24-003-001-069.000`

Interior

Building Area	1,008 sqft Base Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	115 ft deep x 65 ft wide

Location & Zoning

Street Address	4510 VALLEY LN
City	SAINT JOSEPH
State	MO
Zip	64503-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:DEER VALLEY LOT:7 BLK:LGL DESC:
Legal Subdivision	DEER VALLEY
Legal Lot Number	7
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1033
Census Tract	1700

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	Individual Name on Record
Mailing Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · FHA Mortgage COVIUS SERVICES
Jul 22, 2024	Deed of Trust, Mortgage · USDA Mortgage USDA
Dec 12, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 24, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 14, 2017	Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Prior Sale	Apr 14, 2017 · Amount on Record
Deed Document Number	20226115
Deed Book / Page	3777 / 510
Prior Transfer Date	Mar 21, 2011
Prior Transfer Doc	03262/0414
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Recording Date	May 14, 2026
Property Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810
Document Number	0000003740
Book / Page	3818 / 513
Instrument Date	Apr 1, 2026
Instrument	20263740
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	COVIUS SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810

Mortgage

Document Number	0000003740,
Date	May 14, 2026
Book Page	3818/513
Instrument	20263740

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003799/173
Date	Jul 22, 2024
Book Page	3799/173
Instrument	2024005594

Lender

Name	USDA
Type	Government Agency
Address	OVERLAND PARK, KS 66213

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jul 1, 2052

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810

Mortgage

Document Number	003803/527
Date	Dec 12, 2024
Book Page	3803/527
Instrument	2024009976

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Jul 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 24, 2022
Property Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810
Document Number	003777/510
Book / Page	3777 / 510
Instrument Date	Jun 23, 2022
Instrument	2022006115
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12495 STATE ROUTE E SE, AGENCY, MO 64401-7101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810

Mortgage

Document Number	2022006116
Date	Jun 24, 2022
Instrument	2022006116

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Mortgage

Document Number	003777/512
Date	Jun 24, 2022
Book Page	3777/512
Instrument	2022006117

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 14, 2017
Property Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810
Document Number	2017003253
Instrument Date	Apr 13, 2017
Instrument	2017003253
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	ADVANTAGE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 VALLEY LN, SAINT JOSEPH, MO 64503-1810

Mortgage

Document Number	2017003254
Date	Apr 14, 2017
Instrument	2017003254

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Fixed Rate

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	$977.00	$13,890 (+7.51%) Land $2,530 Building $11,360	$73,070 (+7.46%) Land $13,300 Building $59,770
2024	$977.00 (+16.73%)
2023	$837.00 (-0.71%)	$12,920 (-) Land $2,850 Building $10,070	$68,000 (-) Land $15,000 Building $53,000
2022	$843.00	$12,920 Land $2,850 Building $10,070
2021			$68,000 Land $15,000 Building $53,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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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