608 Prospect Ave, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 608 Prospect Ave, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	1,440 sqft · built 1986
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$343,800 (Sep 2016)
Tax Bill	$2,710 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
APN	`06-3.0-07-001-002-043.000`

Property Details

APN / Parcel Number

Primary APN	`06-3.0-07-001-002-043.000`

Interior

Building Area	1,440 sqft Base Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	48,787 sqft (1.12 acres)

Location & Zoning

Street Address	608 PROSPECT AVE
City	SAINT JOSEPH
State	MO
Zip	64501-1051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:BELLEVUE LOT:7 BLK:1LGL DESC:BEG 25'N OF NE COR L 7 TH W 145'S 25'E 38'S 105'W 177.97'S 135' E 267.06'NE 45'N 240'TO POB INC PT VAC ALLEY ALSO PT VACANTOINE ST
Legal Subdivision	BELLEVUE
Legal Block	1
Legal Lot Number	7
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2125
Census Tract	3001

Owner

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	608 PROSPECT AVE, SAINT JOSEPH, MO 64501-1051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2016 · Amount on Record
Deed Sale	Sep 22, 2016 · Amount on Record
Deed Document Number	20169710
Prior Transfer Date	Sep 15, 2016
Prior Transfer Doc	2016009710
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	608 PROSPECT AVE, SAINT JOSEPH, MO 64501-1051
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3747/995
Date	Apr 24, 2020
Book Page	3747/995
Instrument	2020003142

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$2,710.00	$40,110 (+7.02%) Land $2,570 Building $37,540	$211,090 (+7.02%) Land $13,500 Building $197,590
2024	$2,710.00 (+10.97%)
2023	$2,442.00 (-0.69%)	$37,480 (-) Land $2,570 Building $34,910	$197,250 (-) Land $13,500 Building $183,750
2022	$2,459.00	$37,480 Land $2,570 Building $34,910
2021			$197,250 Land $13,500 Building $183,750

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

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	8 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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20