Buchanan County property record for 504 Payne Ter, Saint Joseph, MO 64506
| Property Type | Single Family Home |
|---|---|
| Details | 1,002 sqft · built 1962 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $110,000 (Jun 2017) |
| Tax Bill | $1,135 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2017 Transfer + 1 more |
| APN | 06-1.0-11-003-001-074.000 |
| Primary APN | 06-1.0-11-003-001-074.000 |
|---|
| Building Area | 1,002 sqft Base Area |
|---|---|
| 1st Floor Area | 1,002 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 144 ft deep x 66 ft wide |
| Street Address | 504 PAYNE TER |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64506-3438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:PAYNE ADDITION LOT:1 BLK:LGL DESC: |
| Legal Subdivision | PAYNE ADDITION |
| Legal Lot Number | 1 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 701 |
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 | 504 PAYNE TER, SAINT JOSEPH, MO 64506-3438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 1, 2017 | Intrafamily Transfer, Transfer TITLE SOURCES INC, TITLE SOURCE INC |
| Jun 1, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2017 · Amount on Record |
| Deed Sale | Jun 1, 2017 · Amount on Record |
| Prior Sale | Dec 6, 2007 · Amount on Record |
| Deed Document Number | 20175066 |
| Prior Transfer Date | May 5, 2017 |
| Prior Transfer Doc | 2017005066 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 504 PAYNE TER, SAINT JOSEPH, MO 64506-3438 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 504 PAYNE TER, SAINT JOSEPH, MO 64506-3438 |
| Document Number | 3765/612 |
|---|---|
| Date | Aug 5, 2021 |
| Book Page | 3765/612 |
| Instrument | 2021008287 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 1, 2017 |
| Property Address | 504 PAYNE TER, SAINT JOSEPH, MO 64506-3438 |
| Document Number | 2017005066 |
| Instrument Date | May 5, 2017 |
| Instrument | 2017005066 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | TITLE SOURCES INC, TITLE SOURCE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 504 PAYNE TER, SAINT JOSEPH, MO 64506-3438 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 1, 2017 |
| Property Address | 504 PAYNE TER, SAINT JOSEPH, MO 64506-3438 |
| Document Number | 2017005066 |
| Instrument Date | May 5, 2017 |
| Instrument | 2017005066 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2021 |
| Title Company | TITLE SOURCES INC, TITLE SOURCE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 504 PAYNE TER, SAINT JOSEPH, MO 64506-3438 |
| Document Number | 2017005067 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 2017005067 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| 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 | $1,135.00 | $15,850 (+10.61%) Land $2,380 Building $13,470 | $83,390 (+10.6%) Land $12,500 Building $70,890 |
| 2024 | $1,135.00 (+20.62%) | ||
| 2023 | $941.00 (-0.63%) | $14,330 (-) Land $2,380 Building $11,950 | $75,400 (-) Land $12,500 Building $62,900 |
| 2022 | $947.00 | $14,330 Land $2,380 Building $11,950 | |
| 2021 | $75,400 Land $12,500 Building $62,900 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 196 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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