Buchanan County property record for 509 Payne Ter, Saint Joseph, MO 64506
| Property Type | Single Family Home |
|---|---|
| Details | 1,252 sqft · built 1965 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $218,075 (Jun 2026) |
| Tax Bill | $1,218 (2025) |
| Deeds & Mortgages | Mar 2014 Mortgage Jun 2026 Sale & Mortgage + 3 more |
| APN | 06-1.0-11-003-001-087.000 |
| Primary APN | 06-1.0-11-003-001-087.000 |
|---|
| Building Area | 1,252 sqft Base Area |
|---|---|
| 1st Floor Area | 1,252 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 134 ft deep x 66 ft wide |
| Street Address | 509 PAYNE TER |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64506-3437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:PAYNE ADDITION LOT:14 BLK:LGL DESC: |
| Legal Subdivision | PAYNE ADDITION |
| Legal Lot Number | 14 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 701 |
509 Payne Ter is owned and occupied by an individual who bought it in June 2026.
Source: Buchanan County records, as of June 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 14, 2014 | Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Jun 11, 2026 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Jun 12, 2020 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Dec 20, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 18, 2016 | Warranty Deed, Transfer · Conventional Mortgage BOKF NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2026 · Amount on File |
| Deed Sale | Jun 11, 2026 · Amount on File |
| Prior Sale | Jun 12, 2020 · Amount on File |
| Deed Document Number | 20264673 |
| Deed Book / Page | 3819 / 430 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03454/0226 |
|---|---|
| Date | Mar 14, 2014 |
| Book Page | 3454/0226 |
| Instrument | 2014002288 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 11, 2026 |
| Property Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Document Number | 0000004673 |
| Book / Page | 3819 / 430 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20264673 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | PREFERRED TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000004808, |
|---|---|
| Date | Jun 11, 2026 |
| Book Page | 3819/565 |
| Instrument | 20264808 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 12, 2020 |
| Property Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Document Number | 003749/593 |
| Book / Page | 3749 / 593 |
| Instrument Date | Jun 8, 2020 |
| Instrument | 2020004745 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMER TTL INSRUANCE COM |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Document Number | 2020004746 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 2020004746 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Dec 20, 2019 |
| Property Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Document Number | 003744/597 |
| Book / Page | 3744 / 597 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 2019011061 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Document Number | 003744/598 |
|---|---|
| Date | Dec 20, 2019 |
| Book Page | 3744/598 |
| Instrument | 2019011062 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Jan 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | May 18, 2016 |
| Property Address | 509 PAYNE TER, SAINT JOSEPH, MO 64506-3437 |
| Document Number | 2016004641 |
| Instrument Date | May 12, 2016 |
| Instrument | 2016004641 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 2016004642 |
|---|---|
| Date | May 18, 2016 |
| Instrument | 2016004642 |
| Name | BOKF NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 509 Payne Ter was $1,218.
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 | $1,218.00 | $17,070 Land $1,710 Building $15,360 | $89,830 Land $9,000 Building $80,830 |
| 2024 | $1,218.00 (+15.89%) | ||
| 2023 | $1,051.00 (-0.66%) | $16,090 (-) Land $1,710 Building $14,380 | $84,700 Land $9,000 Building $75,700 |
| 2022 | $1,058.00 | $16,090 Land $1,710 Building $14,380 | |
| 2021 | $84,700 Land $9,000 Building $75,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA has no flood map on file for 509 Payne Ter.
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 risk around 509 Payne Ter is low, with a 0.03% annual chance of wildfire.
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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