632 Bonton St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 632 Bonton St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	1,254 sqft · built 1902
Lot Size	0.174 acres (7,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$983 (2025)
Deeds & Mortgages	Sep 2026 Sale Feb 2020 Mortgage + 1 more
APN	`06-2.0-09-002-004-033.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-09-002-004-033.000`

Interior

Building Area	1,254 sqft Base Area
1st Floor Area	1,254 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Lot Area	7,600 sqft (0.174 acres)
Lot Dimensions	190 ft deep x 40 ft wide

Location & Zoning

Street Address	632 BONTON ST
City	SAINT JOSEPH
State	MO
Zip	64501-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:KEMPER'S LOT:23 BLK:6LGL DESC:PART OF BLK 6
Legal Subdivision	KEMPERS
Legal Block	6
Legal Lot Number	23
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1008
Census Tract	1000

Owner

632 Bonton St is owned and occupied by two individuals who acquired it in September 2026.

Source: Buchanan County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	632 BONTON ST, SAINT JOSEPH, MO 64501-2043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Warranty Deed, Transfer PREFERRED TITLE
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jan 31, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2026
Deed Sale	Sep 10, 2026
Prior Sale	Jan 31, 2017 · Amount on File
Deed Document Number	20267581
Deed Book / Page	3822 / 313
Prior Transfer Date	Oct 11, 2013
Prior Transfer Doc	03433/0566
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 10, 2026
Property Address	632 BONTON ST, SAINT JOSEPH, MO 64501-2043
Document Number	0000007581
Book / Page	3822 / 313
Instrument Date	Sep 10, 2026
Instrument	20267581
Transaction Type	Transfer
Record Updated	Sep 24, 2026
Title Company	PREFERRED TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 BONTON ST, SAINT JOSEPH, MO 64501-2043

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	632 BONTON ST, SAINT JOSEPH, MO 64501-2043
Transaction Type	Mortgage
Record Updated	Apr 1, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3746/184
Date	Feb 24, 2020
Book Page	3746/184
Instrument	2020001323

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jan 31, 2017
Property Address	632 BONTON ST, SAINT JOSEPH, MO 64501-2043
Document Number	2017000881
Instrument Date	Jan 25, 2017
Instrument	2017000881
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7509 IRWINGROVE DR, DOWNEY, CA 90241-2164

Mortgage

Document Number	2017000882
Date	Jan 31, 2017
Instrument	2017000882

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 632 Bonton St was $983.

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	$983.00	$13,750 Land $1,810 Building $11,940	$72,350 Land $9,500 Building $62,850
2024	$983.00 (+16.19%)
2023	$846.00 (-0.7%)	$12,920 (-) Land $1,810 Building $11,110	$67,960 Land $9,500 Building $58,460
2022	$852.00	$12,920 Land $1,810 Building $11,110
2021			$67,960 Land $9,500 Building $58,460

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 632 Bonton St; there have been 4 flood claims nearby since 1993.

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	4 in force
Nearby Flood Claims	4 (1993–2005)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2005 · rainfall accumulation

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

The area around 632 Bonton St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 494 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

May also be available: AT&T, United Fiber.

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