520 Phillip St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 520 Phillip St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	1,720 sqft · built 1957
Lot Size	2.93 acres (127,631 sqft)
Owner	2 Individual Names on File
Last Sale	$270,921 (May 2025)
Tax Bill	$993 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Mar 2009 Mortgage + 2 more
APN	`11-3.0-05-002-000-008.000`

Property Details

APN / Parcel Number

Primary APN	`11-3.0-05-002-000-008.000`

Interior

Building Area	1,720 sqft Base Area
1st Floor Area	1,720 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Lot Area	127,631 sqft (2.93 acres)

Location & Zoning

Street Address	520 PHILLIP ST
City	SAINT JOSEPH
State	MO
Zip	64504-2712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	05-56-35NWSUB: LOT: BLK:LGL DESC:BEG NE COR NW4 TH S 698' W 480' TO POB TH S 445' W 378' N 445' E 378' TO POB
Legal Range	35W
Legal Township	56N
Legal Section	05
Jurisdiction	BUCHANAN MO
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1028
Census Tract	2300

Owner

Source: Buchanan County assessment roll, as of November 4, 2025

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 File
Mailing Address	402 NW 63RD ST, 828, KANSAS CITY, MO 64118-6519
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOAN DEPOT INC
Mar 23, 2009	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL MORTGAGE CORP
Sep 10, 2007	Deed of Trust, Mortgage · Conventional Mortgage Z MORTGAGE CO LLC
May 15, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2025 · Amount on Record
Deed Sale	May 15, 2025 · Amount on Record
Deed Document Number	20253556
Deed Book / Page	3807 / 543
Prior Transfer Date	Sep 21, 2007
Prior Transfer Doc	03028/0603
Record Updated	Sep 20, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	520 PHILLIP ST, SAINT JOSEPH, MO 64504-2712
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018006469
Date	Jul 19, 2018
Instrument	2018006469

Lender

Name	LOAN DEPOT INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	520 PHILLIP ST, SAINT JOSEPH, MO 64504-2712
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03133/0576
Date	Mar 23, 2009
Book Page	3133/0576
Instrument	2009003311

Lender

Name	UNIVERSAL MORTGAGE CORP
Type	Mortgage Company
Address	MEQUON, WI 53092

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2039

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	520 PHILLIP ST, SAINT JOSEPH, MO 64504-2712
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN HALL ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03025/0594
Date	Sep 10, 2007
Book Page	3025/0594
Instrument	2007012997

Lender

Name	Z MORTGAGE CO LLC
Address	SAINT JOSEPH, MO 64506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2037

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 15, 2025
Property Address	520 PHILLIP ST, SAINT JOSEPH, MO 64504-2712
Document Number	003807/543
Book / Page	3807 / 543
Instrument Date	May 7, 2025
Instrument	2025003556
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 NW 63RD ST APT 828, 828, KANSAS CITY, MO 64118-6519

Mortgage

Document Number	2025003576
Date	May 15, 2025
Instrument	2025003576

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

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	$993.00	$13,720 (-0.07%) Land $4,170 Building $9,550	$72,170 (-0.08%) Land $21,930 Building $50,240
2024	$993.00 (+8.64%)
2023	$914.00 (-0.65%)	$13,730 (-) Land $4,850 Building $8,880	$72,230 (-) Land $25,500 Building $46,730
2022	$920.00	$13,730 Land $4,850 Building $8,880
2021			$72,230 Land $25,500 Building $46,730

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 46% of the US · above 55% of Missouri
Wildfire Likelihood	0.09% annual chance
Exposure	None beyond ember reach

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 Electric Cooperative Fiber	1,000 / 1,000
Optimum Communications Cable	940 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Mercury Broadband, Verizon.

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