Buchanan County property record for 6401 Morris St, Saint Joseph, MO 64504
| Property Type | Single Family Home |
|---|---|
| Details | 1,241 sqft · built 2002 |
| Lot Size | 2.87 acres (125,017 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Aug 2006) |
| Tax Bill | $2,345 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jul 2023 Second Mortgage + 1 more |
| APN | 06-9.0-32-003-002-127.000 |
| Primary APN | 06-9.0-32-003-002-127.000 |
|---|
| Building Area | 1,241 sqft Base Area |
|---|---|
| 1st Floor Area | 1,241 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 125,017 sqft (2.87 acres) |
| Street Address | 6401 MORRIS ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64504-2168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:HARRINGTON LOT:1 BLK:1LGL DESC:L 1-9 & L 1-9 BLK 2 EX RD R/W TOG WITH VAC MORRIS ST VAC B SO 5574 |
| Legal Subdivision | HARRINGTON |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 2300 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2023 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Jul 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK |
| Apr 26, 2022 | Beneficiary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2006 · Amount on File |
| Deed Sale | Aug 22, 2006 · Amount on File |
| Prior Sale | May 5, 2006 |
| Deed Document Number | 200612416 |
| Deed Book / Page | 2927 / 1 |
| Last Transfer Date | Apr 20, 2022 |
| Transfer Doc | 003775/314 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
| Investor | Possibly a Property Investor |
| Document Number | 0003789/80 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 3789/80 |
| Instrument | 2023005614 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 3, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
| Investor | Possibly a Property Investor |
| Document Number | 00003789/7 |
|---|---|
| Date | Jul 24, 2023 |
| Book Page | 3789/7 |
| Instrument | 2023005539 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Jul 14, 2035 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Apr 26, 2022 |
| Property Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
| Document Number | 003775/314 |
| Book / Page | 3775 / 314 |
| Instrument Date | Apr 20, 2022 |
| Instrument | 2022003906 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 6401 MORRIS ST, SAINT JOSEPH, MO 64504-2168 |
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,345.00 (+0.04%) | $34,320 (+6.39%) Land $4,940 Building $29,380 | $180,610 (+6.37%) Land $26,000 Building $154,610 |
| 2024 | $2,344.00 (+10.78%) | ||
| 2023 | $2,116.00 (-0.66%) | $32,260 (-) Land $4,940 Building $27,320 | $169,800 (-) Land $26,000 Building $143,800 |
| 2022 | $2,130.00 | $32,260 Land $4,940 Building $27,320 | |
| 2021 | $169,800 Land $26,000 Building $143,800 |
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.
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 File 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 48% of the US · above 63% of Missouri |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 103 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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