522 S 38th St, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 522 S 38th St, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	888 sqft · built 1952
Lot Size	0.201 acres (8,753 sqft)
Owner	Individual Name on File
Last Sale	$37,500 (Aug 2019)
Tax Bill	$914 (2025)
Deeds & Mortgages	Aug 2019 Mortgage
APN	`06-1.0-11-003-001-046.000`

Property Details

APN / Parcel Number

Primary APN	`06-1.0-11-003-001-046.000`

Interior

Building Area	888 sqft Base Area
1st Floor Area	888 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	8,753 sqft (0.201 acres)
Lot Dimensions	116 ft deep x 75 ft wide

Location & Zoning

Street Address	522 S 38TH ST
City	SAINT JOSEPH
State	MO
Zip	64506-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:HOMEWOOD TERRACE LOT:8 BLK:2LGL DESC:S 25' L 8 ALL L 9
Legal Subdivision	HOMEWOOD TERRACE
Legal Block	2
Legal Lot Number	8-9
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4004
Census Tract	701

Owner

522 S 38th St is owned and occupied by an individual who bought it in August 2019.

Source: Buchanan County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	522 S 38TH ST, SAINT JOSEPH, MO 64506-3404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2019 · Amount on File
Deed Sale	Aug 28, 2019 · Amount on File
Prior Sale	Jul 23, 2010
Deed Document Number	20197200
Deed Book / Page	3740 / 760
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 28, 2019
Property Address	522 S 38TH ST, SAINT JOSEPH, MO 64506-3404
Document Number	003740/760
Book / Page	3740 / 760
Instrument Date	Aug 28, 2019
Instrument	2019007200
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	PREFERRED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S 38TH ST, SAINT JOSEPH, MO 64506-3404

Mortgage

Document Number	003740/761
Date	Aug 28, 2019
Book Page	3740/761
Instrument	2019007201

Lender

Name	SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 522 S 38th St was $914.

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	$914.00	$12,600 Land $4,280 Building $8,320	$66,270 Land $22,500 Building $43,770
2024	$914.00 (+16.28%)
2023	$786.00 (-0.63%)	$11,800 (-) Land $4,280 Building $7,520	$62,100 Land $22,500 Building $39,600
2022	$791.00	$11,800 Land $4,280 Building $7,520
2021			$62,100 Land $22,500 Building $39,600

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.

Flood

FEMA has no flood map on file for 522 S 38th St.

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

Wildfire risk around 522 S 38th St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 226 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20