6521 S 3rd St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 6521 S 3rd St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	1,368 sqft · built 1892
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$165,631 (Feb 2024)
Tax Bill	$871 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2020 Mortgage + 3 more
APN	`06-9.0-32-003-001-089.000`

Property Details

APN / Parcel Number

Primary APN	`06-9.0-32-003-001-089.000`

Interior

Building Area	1,368 sqft Base Area
1st Floor Area	1,368 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Location & Zoning

Street Address	6521 S 3RD ST
City	SAINT JOSEPH
State	MO
Zip	64504-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:RHUDY'S LOT:27 BLK:5LGL DESC:& L28
Legal Subdivision	RHUDYS
Legal Block	5
Legal Lot Number	27
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1006
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	Individual Name on Record
Mailing Address	6521 S 3RD ST, SAINT JOSEPH, MO 64504-2144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jul 31, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Sep 12, 2018	Special Warranty Deed, Transfer FIRST AMERICAN TITLE
Jul 3, 2018	Warranty Deed, Foreclosure
Nov 28, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2024 · Amount on Record
Deed Sale	Feb 27, 2024 · Amount on Record
Prior Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	20241313
Deed Book / Page	3794 / 946
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 27, 2024
Property Address	6521 S 3RD ST, SAINT JOSEPH, MO 64504-2144
Document Number	003794/946
Book / Page	3794 / 946
Instrument Date	Feb 26, 2024
Instrument	2024001313
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6521 S 3RD ST, SAINT JOSEPH, MO 64504-2144

Mortgage

Document Number	2024001314
Date	Feb 27, 2024
Instrument	2024001314

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	003794/948
Date	Feb 27, 2024
Book Page	3794/948
Instrument	2024001315

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 31, 2020
Property Address	6521 S 3RD ST, SAINT JOSEPH, MO 64504-2144
Document Number	003751/418
Book / Page	3751 / 418
Instrument Date	Jul 30, 2020
Instrument	2020006584
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6007 PURTELL ST, SAINT JOSEPH, MO 64504-1332

Mortgage

Document Number	2020006585
Date	Jul 31, 2020
Instrument	2020006585

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Mortgage

Document Number	003751/420
Date	Jul 31, 2020
Book Page	3751/420
Instrument	2020006586

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 12, 2018
Property Address	6521 S 3RD ST, SAINT JOSEPH, MO 64504-2144
Document Number	003705/237
Book / Page	3705 / 237
Instrument Date	Sep 7, 2018
Instrument	2018008387
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2506 COLLEGE LN, SAINT JOSEPH, MO 64503-1929

July 2018: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 3, 2018
Property Address	6521 S 3RD ST, SAINT JOSEPH, MO 64504-2144
Document Number	2018005984
Instrument Date	Feb 21, 2018
Instrument	2018005984
Transaction Type	Foreclosure
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420

November 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	BUCHANAN MO
Recording Date	Nov 28, 2017
Property Address	6521 S 3RD ST, SAINT JOSEPH, MO 64504-2144
Document Number	2017011753
Instrument Date	Nov 27, 2017
Instrument	2017011753
Transaction Type	Foreclosure
Record Updated	Sep 13, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3637 SENTARA WAY STE 303, 303, VIRGINIA BEACH, VA 23452-4262

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	$871.00	$12,130 (+5.94%) Land $2,370 Building $9,760	$63,820 (+5.93%) Land $12,460 Building $51,360
2024	$871.00 (+15.52%)
2023	$754.00 (-0.66%)	$11,450 (-) Land $2,370 Building $9,080	$60,250 (-) Land $12,460 Building $47,790
2022	$759.00	$11,450 Land $2,370 Building $9,080
2021			$60,250 Land $12,460 Building $47,790

Assessed value is set for property tax purposes, not a market price estimate; it is 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 44% of the US · above 49% of Missouri
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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 236 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

May also be available: AT&T.

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