5415 S 22nd St, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 5415 S 22nd St, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	660 sqft · built 1922
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Tax Bill	$580 (2025)
Deeds & Mortgages	Nov 2025 Mortgage
APN	`06-8.0-33-001-002-006.000`

Property Details

APN / Parcel Number

Primary APN	`06-8.0-33-001-002-006.000`

Interior

Building Area	660 sqft Base Area
1st Floor Area	660 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Street Address	5415 S 22ND ST
City	SAINT JOSEPH
State	MO
Zip	64503-2248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:SPRING GARDEN LOT:7 BLK:1LGL DESC:ALL OF THE N 1 ACRE OF L7
Legal Subdivision	SPRING GARDEN
Legal Block	1
Legal Lot Number	7
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1052
Census Tract	2200

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	5419 S 22ND ST, SAINT JOSEPH, MO 64503-2248
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Nov 26, 2025
Property Address	5415 S 22ND ST, SAINT JOSEPH, MO 64503-2248
Document Number	003813/856
Book / Page	3813 / 856
Instrument Date	Nov 26, 2025
Instrument	2025009939
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	UNKNOWN, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8101 SE US HIGHWAY 169, SAINT JOSEPH, MO 64507-7731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5421 S 2ND ST, SAINT JOSEPH, MO 64504-1604

Mortgage

Document Number	2025009940
Date	Nov 26, 2025
Instrument	2025009940

Lender

Name	EQUITY BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 1, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	7.75%
Index	SOFR Average 30-Day
Max Rate	11.7%

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	$580.00	$7,980 (+27.07%) Land $2,990 Building $4,990	$42,030 (+27.36%) Land $15,750 Building $26,280
2024	$580.00 (+37.77%)
2023	$421.00 (-0.71%)	$6,280 (-) Land $2,950 Building $3,330	$33,000 (-) Land $15,500 Building $17,500
2022	$424.00	$6,280 Land $2,950 Building $3,330
2021			$33,000 Land $15,500 Building $17,500

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
Nearby Flood Claims	1 (2009)
Most Recent Claim	Apr 2009 · river or lake flooding

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	Low lower than 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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 139 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
Mercury Broadband Fixed Wireless	150 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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