5 Wishbone Rd, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 5 Wishbone Rd, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,205 sqft · built 1966
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,714 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2018 Mortgage + 2 more
APN	`03-8.0-33-004-001-102.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-33-004-001-102.000`

Interior

Building Area	2,205 sqft Base Area
1st Floor Area	2,205 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	150 ft deep x 163 ft wide

Location & Zoning

Street Address	5 WISHBONE RD
City	SAINT JOSEPH
State	MO
Zip	64506-1635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:LOVERS LANE ESTATES LOT:17 BLK:LGL DESC:
Legal Subdivision	LOVERS LANE ESTATES
Legal Lot Number	17
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2008
Census Tract	200

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	2 Individual Names on Record
Mailing Address	5 WISHBONE RD, SAINT JOSEPH, MO 64506-1635
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2024	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Apr 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Feb 14, 2020	Warranty Deed, Transfer ADVANTAGEONE TITLE, ADVANTAGE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2020
Deed Sale	Feb 14, 2020
Prior Sale	Apr 29, 2010 · Amount on Record
Deed Document Number	20201134
Deed Book / Page	3745 / 994
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	5 WISHBONE RD, SAINT JOSEPH, MO 64506-1635
Transaction Type	Mortgage
Record Updated	Mar 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 WISHBONE RD, SAINT JOSEPH, MO 64506-1635

Mortgage

Document Number	003794/872
Date	Feb 23, 2024
Book Page	3794/872
Instrument	2024001238

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 16, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	5 WISHBONE RD, SAINT JOSEPH, MO 64506-1635
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018003247
Date	Apr 17, 2018
Instrument	2018003247

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 10, 2028

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	5 WISHBONE RD, SAINT JOSEPH, MO 64506-1635
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003744/365
Date	Dec 12, 2019
Book Page	3744/365
Instrument	2019010824

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2035

Interest

Rate Type	Fixed Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 14, 2020
Property Address	5 WISHBONE RD, SAINT JOSEPH, MO 64506-1635
Document Number	003745/994
Book / Page	3745 / 994
Map Reference	BK 1125 PG 197
Instrument Date	Feb 13, 2020
Instrument	2020001134
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 NICHOL MILL LN STE 260, 260, FRANKLIN, TN 37067-0004
Investor	Possibly a Property Investor

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	$3,714.00	$51,760 (+24.78%) Land $9,220 Building $42,540	$272,450 (+24.79%) Land $48,540 Building $223,910
2024	$3,714.00 (+35.8%)
2023	$2,735.00 (-0.65%)	$41,480 (-) Land $9,220 Building $32,260	$218,320 (-) Land $48,540 Building $169,780
2022	$2,753.00	$41,480 Land $9,220 Building $32,260
2021			$218,320 Land $48,540 Building $169,780

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

Flood

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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 99 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

Cell Coverage

5G (outdoors only) and 4G LTE

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