720 N 20th St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 720 N 20th St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	1,296 sqft · built 1955
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$111,368 (Sep 2025)
Tax Bill	$1,176 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2025 Mortgage + 2 more
APN	`06-2.0-09-002-001-182.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-09-002-001-182.000`

Interior

Building Area	1,296 sqft Base Area
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	178 ft deep x 80 ft wide

Location & Zoning

Street Address	720 N 20TH ST
City	SAINT JOSEPH
State	MO
Zip	64501-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:KEMPER'S LOT:9 BLK:5LGL DESC:N 80' L 9, 10 & E 53.94' OF TH N 80' L11 LLA 3/7/2008
Legal Subdivision	KEMPERS
Legal Block	5
Legal Lot Number	9
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1004
Census Tract	1000

Owner

720 N 20th St is owned and occupied by an individual who bought it in September 2025.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	720 N 20TH ST, SAINT JOSEPH, MO 64501-1526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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 11, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED FIDELITY FUNDING CORP
Sep 15, 2025	Warranty Deed, Transfer · FHA Mortgage ARVEST BANK
May 1, 2017	Deed, Transfer
May 1, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2025 · Amount on File
Deed Sale	Sep 15, 2025 · Amount on File
Prior Sale	Sep 11, 2020 · Amount on File
Deed Document Number	20257485
Deed Book / Page	3811 / 430
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	720 N 20TH ST, SAINT JOSEPH, MO 64501-1526
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 N 6TH ST, SAINT JOSEPH, MO 64505-1705

Mortgage

Document Number	0003753/34
Date	Sep 11, 2020
Book Page	3753/34
Instrument	2020008214

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company
Address	RIVERSIDE, MO 64150

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 15, 2025
Property Address	720 N 20TH ST, SAINT JOSEPH, MO 64501-1526
Document Number	003811/430
Book / Page	3811 / 430
Instrument Date	Sep 12, 2025
Instrument	2025007485
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1741 HOLLY ST, KANSAS CITY, MO 64108-4138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 N 20TH ST, SAINT JOSEPH, MO 64501-1526

Mortgage

Document Number	003811/431
Date	Sep 15, 2025
Book Page	3811/431
Instrument	2025007486

Lender

Name	ARVEST BANK
Type	Bank
Address	75745

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 1, 2017
Property Address	720 N 20TH ST, SAINT JOSEPH, MO 64501-1526
Document Number	2017003845
Instrument Date	Apr 24, 2017
Instrument	2017003845
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 1, 2017
Property Address	720 N 20TH ST, SAINT JOSEPH, MO 64501-1526
Document Number	2017003845
Instrument Date	Apr 24, 2017
Instrument	2017003845
Transaction Type	Transfer
Record Updated	Oct 2, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 720 N 20th St was $1,176.

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	$1,176.00	$16,440 (+20.88%) Land $2,280 Building $14,160	$86,520 Land $12,000 Building $74,520
2024	$1,176.00 (+31.69%)	$13,600 (-) Land $2,280 Building $11,320
2023	$893.00 (-0.67%)	$13,600 (-) Land $2,280 Building $11,320	$71,600 Land $12,000 Building $59,600
2022	$899.00	$13,600 Land $2,280 Building $11,320
2021			$71,600 Land $12,000 Building $59,600

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 720 N 20th 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 720 N 20th 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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