6525 S 3rd St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 6525 S 3rd St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	1,096 sqft · built 1976
Lot Size	4.41 acres (192,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,400 (Oct 2005)
Tax Bill	$1,930 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
APN	`06-9.0-32-003-001-102.000`

Property Details

APN / Parcel Number

Primary APN	`06-9.0-32-003-001-102.000`

Interior

Building Area	1,096 sqft Base Area
1st Floor Area	1,096 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	192,100 sqft (4.41 acres)

Location & Zoning

Street Address	6525 S 3RD ST
City	SAINT JOSEPH
State	MO
Zip	64504-2100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	32-57-35SWSUB: LOT: BLK:LGL DESC:4.406 AC W PRT OF L4 SUB DIV OF S 1/2 OF SW4 BEG 828' N & 652' W OF SE COR OF SW4 TH N 498.3' W 402' S 498.3' E 402' TO POBOB
Legal Range	35W
Legal Township	57N
Legal Section	32
Legal Subdivision	RHUDY ESTATE
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	2 Individual Names on Record
Mailing Address	6525 S 3RD ST, SAINT JOSEPH, MO 64504-2100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2005 · Amount on Record
Deed Sale	Oct 17, 2005 · Amount on Record
Deed Document Number	200516429
Deed Book / Page	2842 / 235
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	6525 S 3RD ST, SAINT JOSEPH, MO 64504-2100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ST JOSEPH TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3751/763
Date	Aug 7, 2020
Book Page	3751/763
Instrument	2020006935

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank
Address	SAINT JOSEPH, MO 64507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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	$1,930.00 (+0.05%)	$27,020 (+6.59%) Land $3,040 Building $23,980	$142,200 (+6.6%) Land $16,000 Building $126,200
2024	$1,929.00 (+16.34%)
2023	$1,658.00 (-0.72%)	$25,350 (-) Land $3,040 Building $22,310	$133,400 (-) Land $16,000 Building $117,400
2022	$1,670.00	$25,350 Land $3,040 Building $22,310
2021			$133,400 Land $16,000 Building $117,400

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 50% of the US · above 69% of Missouri
Wildfire Likelihood	0.09% 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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