620 Phillip St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 620 Phillip St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	2,900 sqft · built 1997
Lot Size	5.15 acres (224,334 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,500 (May 2018)
Tax Bill	$3,802 (2025)
Deeds & Mortgages	May 2018 Mortgage
APN	`11-3.0-05-002-000-009.000`

Property Details

APN / Parcel Number

Primary APN	`11-3.0-05-002-000-009.000`

Interior

Building Area	2,900 sqft Base Area
1st Floor Area	2,900 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	224,334 sqft (5.15 acres)

Location & Zoning

Street Address	620 PHILLIP ST
City	SAINT JOSEPH
State	MO
Zip	64504-2714
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 OF JONES SUB DIV NW1/4 THEN W 10' ON N LINE SUB DIV FOR POB THEN W ON N LINE 480' THEN N 463.7' TO S LINE PHILIP ST TH E ON SD LINE 480' TH S TO POB
Legal Range	35W
Legal Township	56N
Legal Section	05
Legal Subdivision	LINE SUB DIV
Jurisdiction	BUCHANAN MO
Township / Civil Division	CENTER
Census Block Group	1
Census Block	1028
Census Tract	2300

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	620 PHILLIP ST, SAINT JOSEPH, MO 64504-2714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2018 · Amount on Record
Deed Sale	May 4, 2018 · Amount on Record
Deed Document Number	20183947
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 4, 2018
Property Address	620 PHILLIP ST, SAINT JOSEPH, MO 64504-2714
Document Number	2018003947
Instrument Date	May 4, 2018
Instrument	2018003947
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ST JOSEPH TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 PHILLIP ST, SAINT JOSEPH, MO 64504-2714

Mortgage

Document Number	2018003948
Date	May 4, 2018
Instrument	2018003948

Lender

Name	FINANGAN STATE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

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	$3,802.00 (+0.03%)	$56,590 (+13.93%) Land $5,160 Building $51,430	$290,890 (+11.27%) Land $27,150 Building $263,740
2024	$3,801.00 (+17.13%)
2023	$3,245.00 (-0.67%)	$49,670 (-) Land $4,940 Building $44,730	$261,430 (-) Land $26,000 Building $235,430
2022	$3,267.00	$49,670 Land $4,940 Building $44,730
2021			$261,430 Land $26,000 Building $235,430

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
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

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

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

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