4904 Valley Ln, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 4904 Valley Ln, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,008 sqft · built 1962
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Tax Bill	$929 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2022 Mortgage + 1 more
APN	`06-6.0-24-003-001-053.000`

Property Details

APN / Parcel Number

Primary APN	`06-6.0-24-003-001-053.000`

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	6,970 sqft (0.16 acres)
Lot Dimensions	115 ft deep x 60 ft wide

Location & Zoning

Street Address	4904 VALLEY LN
City	SAINT JOSEPH
State	MO
Zip	64503-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:DEER VALLEY LOT:39 BLK:LGL DESC:
Legal Subdivision	DEER VALLEY
Legal Lot Number	39
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1033
Census Tract	1700

Owner

4904 Valley Ln is owned and occupied by an individual.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	4904 VALLEY LN, SAINT JOSEPH, MO 64503-1818
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
Sep 23, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 7, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 21, 2019	Deed of Trust, Mortgage · FHA Mortgage SYNERGY ONE LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4904 VALLEY LN, SAINT JOSEPH, MO 64503-1818
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4904 VALLEY LN, SAINT JOSEPH, MO 64503-1818

Mortgage

Document Number	003811/669
Date	Sep 23, 2025
Book Page	3811/669
Instrument	2025007725

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2040

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4904 VALLEY LN, SAINT JOSEPH, MO 64503-1818
Transaction Type	Mortgage
Record Updated	Apr 22, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4904 VALLEY LN, SAINT JOSEPH, MO 64503-1818

Mortgage

Document Number	003774/662
Date	Apr 7, 2022
Book Page	3774/662
Instrument	2022003253

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	4904 VALLEY LN, SAINT JOSEPH, MO 64503-1818
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	RESOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3740/488
Date	Aug 21, 2019
Book Page	3740/488
Instrument	2019006925

Lender

Name	SYNERGY ONE LENDING INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4904 Valley Ln was $929, up 0.1% 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	$929.00 (+0.11%)	$13,190 Land $2,530 Building $10,660	$69,390 Land $13,300 Building $56,090
2024	$928.00 (+15.14%)
2023	$806.00 (-0.74%)	$12,430 (-) Land $2,850 Building $9,580	$65,400 Land $15,000 Building $50,400
2022	$812.00	$12,430 Land $2,850 Building $9,580
2021			$65,400 Land $15,000 Building $50,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 4904 Valley Ln.

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

Wildfire risk around 4904 Valley Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 212 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

May also be available: Metronet.

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