4817 Crystal Dr, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 4817 Crystal Dr, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,525 sqft · built 2004
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$263,700 (Nov 2022)
Tax Bill	$2,452 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2022 Mortgage + 1 more
APN	`06-6.0-24-002-000-001.052`

Property Details

APN / Parcel Number

Primary APN	`06-6.0-24-002-000-001.052`

Interior

Building Area	1,525 sqft Base Area
1st Floor Area	1,525 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	103 ft deep x 71.6 ft wide

Location & Zoning

Street Address	4817 CRYSTAL DR
City	SAINT JOSEPH
State	MO
Zip	64503-2057
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:THOUSAND OAKS PLAT 1 LOT:50 BLK:0LGL DESC:
Legal Subdivision	THOUSAND OAKS PLAT 1
Legal Lot Number	50
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2003
Census Tract	1700

Owner

4817 Crystal Dr is owned and occupied by two individuals who bought it in November 2022.

Source: Buchanan County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4817 CRYSTAL DR, SAINT JOSEPH, MO 64503-2057
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
Jul 14, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Nov 29, 2022	Warranty Deed, Transfer · FHA Mortgage UMB BANK NA
Nov 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on File
Deed Sale	Nov 29, 2022 · Amount on File
Prior Sale	May 10, 2016 · Amount on File
Deed Document Number	202211311
Deed Book / Page	3782 / 671
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Recording Date	Jul 14, 2026
Property Address	4817 CRYSTAL DR, SAINT JOSEPH, MO 64503-2057
Document Number	0000005724
Book / Page	3820 / 472
Instrument Date	Jul 8, 2026
Instrument	20265724
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4817 CRYSTAL DR, SAINT JOSEPH, MO 64503-2057
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005724,
Date	Jul 14, 2026
Book Page	3820/472
Instrument	20265724

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Nov 29, 2022
Property Address	4817 CRYSTAL DR, SAINT JOSEPH, MO 64503-2057
Document Number	003782/671
Book / Page	3782 / 671
Instrument Date	Nov 28, 2022
Instrument	2022011311
Transaction Type	Transfer
Record Updated	Dec 7, 2022
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4817 CRYSTAL DR, SAINT JOSEPH, MO 64503-2057
Investor	Possibly a Property Investor

Mortgage

Document Number	2022011312
Date	Nov 29, 2022
Instrument	2022011312

Lender

Name	UMB BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4817 CRYSTAL DR, SAINT JOSEPH, MO 64503-2057
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3716/203
Date	Nov 21, 2018
Book Page	3716/203
Instrument	2018010953

Lender

Name	HNB NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4817 Crystal Dr was $2,452, up % 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	$2,452.00 (+0.04%)	$34,930 Land $5,170 Building $29,760	$183,830 Land $27,200 Building $156,630
2024	$2,451.00 (+43.67%)
2023	$1,706.00 (-0.7%)	$26,440 (-) Land $4,230 Building $22,210	$139,140 Land $22,250 Building $116,890
2022	$1,718.00	$26,440 Land $4,230 Building $22,210
2021			$139,140 Land $22,250 Building $116,890

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.

Flood

FEMA has no flood map on file for 4817 Crystal Dr; 1 flood insurance policy is in force nearby.

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

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.

Wildfire

Wildfire risk around 4817 Crystal Dr is low, with a 0.05% annual chance of wildfire.

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.

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 273 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
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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