503 Phillip St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 503 Phillip St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	1,697 sqft · built 2002
Lot Size	3.13 acres (136,343 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,002 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Mortgage + 1 more
APN	`11-3.0-05-002-000-001.002`

Property Details

APN / Parcel Number

Primary APN	`11-3.0-05-002-000-001.002`

Interior

Building Area	1,697 sqft Base Area
1st Floor Area	1,697 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	136,343 sqft (3.13 acres)

Location & Zoning

Street Address	503 PHILLIP ST
City	SAINT JOSEPH
State	MO
Zip	64504-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	05-56-35NWSUB:SOUTH HAVEN LOT:3 BLK:LGL DESC:
Legal Range	35W
Legal Township	56N
Legal Section	05
Legal Subdivision	SOUTH HAVEN
Legal Lot Number	3
Jurisdiction	BUCHANAN MO
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1027
Census Tract	2300

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	503 PHILLIP ST, SAINT JOSEPH, MO 64504-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Nov 20, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK
Aug 28, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2017
Deed Sale	Aug 28, 2017
Deed Document Number	20178503
Last Transfer Date	Apr 13, 2023
Transfer Doc	0000002636
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	503 PHILLIP ST, SAINT JOSEPH, MO 64504-2713
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 PHILLIP ST, SAINT JOSEPH, MO 64504-2713

Mortgage

Document Number	003815/990
Date	Feb 19, 2026
Book Page	3815/990
Instrument	2026001184

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Nov 20, 2023
Property Address	503 PHILLIP ST, SAINT JOSEPH, MO 64504-2713
Document Number	003792/658
Book / Page	3792 / 658
Instrument Date	Nov 15, 2023
Instrument	2023009227
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2622 SE STATE ROUTE 116, FAUCETT, MO 64448-9196

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 PHILLIP ST, SAINT JOSEPH, MO 64504-2713

Mortgage

Document Number	2023009228
Date	Nov 20, 2023
Instrument	2023009228

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	9.12%
Index	1-Year T-Bill
Max Rate	13.1%

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 28, 2017
Property Address	503 PHILLIP ST, SAINT JOSEPH, MO 64504-2713
Document Number	2017008503
Instrument Date	Aug 25, 2017
Instrument	2017008503
Transaction Type	Transfer
Record Updated	Sep 7, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 PHILLIP ST, SAINT JOSEPH, MO 64504-2713

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	$3,002.00	$42,020 (+0.89%) Land $4,870 Building $37,150	$221,170 (+0.9%) Land $25,650 Building $195,520
2024	$3,002.00 (+10.21%)
2023	$2,724.00 (-0.66%)	$41,650 (-) Land $4,750 Building $36,900	$219,190 (-) Land $25,000 Building $194,190
2022	$2,742.00	$41,650 Land $4,750 Building $36,900
2021			$219,190 Land $25,000 Building $194,190

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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 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	Moderate above 52% of the US · above 74% of Missouri
Wildfire Likelihood	0.1% 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 27 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

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