Buchanan County property record for 4802 Clover Rd, Saint Joseph, MO 64505
| Property Type | Single Family Home |
|---|---|
| Details | 1,384 sqft · built 1992 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,967 (2025) |
| Deeds & Mortgages | Jun 2022 Sale Jul 2018 Mortgage |
| APN | 03-8.0-28-004-002-068.003 |
| Primary APN | 03-8.0-28-004-002-068.003 |
|---|
| Building Area | 1,384 sqft Base Area |
|---|---|
| 1st Floor Area | 1,384 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 47,916 sqft (1.1 acres) |
| Street Address | 4802 CLOVER RD |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64505-1405 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | 28-58-35SESUB: LOT: BLK:LGL DESC:BEG NW COR SW4 OF SE4 TH E 150' TO POB TH E 150' S 320' W 150' N 320' TO POB |
| Legal Range | 35W |
| Legal Township | 58N |
| Legal Section | 28 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4802 CLOVER RD, SAINT JOSEPH, MO 64505-1405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2022 | Beneficiary Deed, Transfer |
| Jul 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FAY SERVICING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 28, 2022 |
| Transfer Doc | 003777/613 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 28, 2022 |
| Property Address | 4802 CLOVER RD, SAINT JOSEPH, MO 64505-1405 |
| Document Number | 003777/613 |
| Book / Page | 3777 / 613 |
| Instrument Date | Jun 28, 2022 |
| Instrument | 2022006218 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4802 CLOVER RD, SAINT JOSEPH, MO 64505-1405 |
| Name | Verified Name |
|---|---|
| Address | 4306 S STONECREST CIR, SAINT JOSEPH, MO 64506-3129 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 4802 CLOVER RD, SAINT JOSEPH, MO 64505-1405 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Name | Verified Name |
|---|
| Document Number | 2018006877 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | 2018006877 |
| Name | FAY SERVICING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2033 |
| 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 | $1,967.00 (+0.05%) | $30,700 (+14.94%) Land $5,700 Building $25,000 | $161,600 (+14.94%) Land $30,000 Building $131,600 |
| 2024 | $1,966.00 (+11.7%) | ||
| 2023 | $1,760.00 (-0.68%) | $26,710 (-) Land $5,700 Building $21,010 | $140,600 (-) Land $30,000 Building $110,600 |
| 2022 | $1,772.00 | $26,710 Land $5,700 Building $21,010 | |
| 2021 | $140,600 Land $30,000 Building $110,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 5 (1982–2021) |
| Most Recent Claim | Jun 2021 · Severe Storms, Straight-line Winds, Tornadoes, And 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 | Moderate above 45% of the US · above 52% of Missouri |
|---|---|
| Wildfire Likelihood | 0.07% 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 205 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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