4514 Alpha Ln, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 4514 Alpha Ln, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,522 sqft · built 1976
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$257,842 (May 2026)
Tax Bill	$1,408 (2025)
Deeds & Mortgages	Jun 2015 Mortgage May 2026 Sale & Mortgage + 3 more
APN	`03-7.0-36-003-000-025.000`

Property Details

APN / Parcel Number

Primary APN	`03-7.0-36-003-000-025.000`

Interior

Building Area	1,522 sqft Base Area
1st Floor Area	1,522 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	105 ft deep x 82 ft wide

Location & Zoning

Street Address	4514 ALPHA LN
City	SAINT JOSEPH
State	MO
Zip	64506-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:STRADER'S SUB-DIVISION LOT:11 BLK:LGL DESC:
Legal Subdivision	STRADERS SUB-DIVISION
Legal Lot Number	11
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1016
Census Tract	100

Owner

Source: Buchanan County records, as of June 4, 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	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2015	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
May 20, 2026	Warranty Deed, Transfer · FHA Mortgage PRIMECAP LENDING LLC
May 20, 2026	Warranty Deed, Transfer · FHA Mortgage PRIME LENDING
Jul 21, 2015	Warranty Deed, Transfer
Feb 22, 2006	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Jul 21, 2015
Deed Document Number	20263908
Deed Book / Page	3818 / 681
Prior Transfer Date	Feb 15, 2006
Prior Transfer Doc	02875/0221
Record Updated	Oct 29, 2026

June 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725
Transaction Type	Mortgage
Record Updated	Jun 4, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2015006618
Date	Jun 30, 2015
Instrument	2015006618

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 20, 2026
Property Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725
Document Number	0000003908
Book / Page	3818 / 681
Instrument Date	May 19, 2026
Instrument	2026.3908
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	ST JOSEPH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725

Mortgage

Document Number	0000003909,
Date	May 20, 2026
Instrument	2026..3909

Lender

Name	PRIMECAP LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 20, 2026
Property Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725
Document Number	003818/681
Book / Page	3818 / 681
Instrument Date	May 19, 2026
Instrument	20263908
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C, ST JOSEPH TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725

Mortgage

Document Number	0000003909,
Date	May 20, 2026
Instrument	20263909

Lender

Name	PRIME LENDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

July 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 21, 2015
Property Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725
Document Number	2015007439
Instrument Date	Jul 20, 2015
Instrument	2015007439
Transaction Type	Transfer
Record Updated	Jun 4, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Feb 22, 2006
Property Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725
Document Number	02875/0221
Book / Page	2875 / 0221
Instrument Date	Feb 15, 2006
Instrument	2006002409
Transaction Type	Transfer
Record Updated	Jun 4, 2026
Title Company	HALL ABSTRACT & TITLE CO INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4514 ALPHA LN, SAINT JOSEPH, MO 64506-1725
Investor	Possibly a Property Investor

Mortgage

Document Number	02875/0223
Date	Feb 22, 2006
Book Page	2875/0223
Instrument	2006002410

Lender

Name	COMMERCE BANK NA
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2036

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	$1,408.00 (+0.07%)	$20,790 (+5.69%) Land $4,280 Building $16,510	$109,400 (+5.7%) Land $22,500 Building $86,900
2024	$1,407.00 (+10.35%)
2023	$1,275.00 (-0.7%)	$19,670 (-) Land $4,280 Building $15,390	$103,500 (-) Land $22,500 Building $81,000
2022	$1,284.00	$19,670 Land $4,280 Building $15,390
2021			$103,500 Land $22,500 Building $81,000

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 95% of the US · lower than 93% 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 411 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

May also be available: Mercury Fiber.

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