8 River Ridge Ter, Saint Joseph, MO 64507 Property Records

Buchanan County property record for 8 River Ridge Ter, Saint Joseph, MO 64507

Property Summary

Property Type	Single Family Home
Details	2,629 sqft · built 1999
Lot Size	1.31 acres (57,064 sqft)
Owner	2 Individual Names on File
Last Sale	$502,900 (Apr 2020)
Tax Bill	$4,820 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
APN	`07-3.0-06-000-000-001.008`

Property Details

APN / Parcel Number

Primary APN	`07-3.0-06-000-000-001.008`

Interior

Building Area	2,629 sqft Base Area
1st Floor Area	2,629 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	57,064 sqft (1.31 acres)

Location & Zoning

Street Address	8 RIVER RIDGE TER
City	SAINT JOSEPH
State	MO
Zip	64507-7761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-OR
Legal Description	SUB:RIVER RIDGE ESTATES LOT:8 BLK:0LGL DESC:ALL OF L8 BEG 25' W OF NE COR OF SEC TH S 228.60' W 43.81' TO POB TH SW 300' NW 200' NE 270' SE 205.55' TO POB
Legal Subdivision	RIVER RIDGE ESTATES
Legal Lot Number	8
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2027
Census Tract	2700

Owner

8 River Ridge Ter is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	8 RIVER RIDGE TER, SAINT JOSEPH, MO 64507-7761
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on File
Deed Sale	Apr 3, 2020 · Amount on File
Prior Sale	Nov 30, 2012 · Amount on File
Deed Document Number	20202577
Deed Book / Page	3747 / 431
Prior Transfer Date	Jun 7, 2010
Prior Transfer Doc	03214/0295
Record Updated	Sep 20, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 3, 2020
Property Address	8 RIVER RIDGE TER, SAINT JOSEPH, MO 64507-7761
Document Number	003747/431
Book / Page	3747 / 431
Instrument Date	Sep 27, 2019
Instrument	2020002577
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 RIVER RIDGE TER, SAINT JOSEPH, MO 64507-7761

Mortgage

Document Number	2020002578
Date	Apr 3, 2020
Instrument	2020002578

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 8 River Ridge Ter was $4,820, up % from the year before.

Source: Buchanan County assessment roll, as of November 4, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Buchanan County
Unified School District	St. Joseph School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,820.00 (+0.02%)	$80,890 Land $7,600 Building $73,290	$425,720 Land $40,000 Building $385,720
2024	$4,819.00 (+17.85%)
2023	$4,089.00 (-0.82%)	$75,770 (-) Land $7,600 Building $68,170	$398,810 Land $40,000 Building $358,810
2022	$4,123.00	$75,770 Land $7,600 Building $68,170
2021			$398,810 Land $40,000 Building $358,810

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 8 River Ridge Ter; there have been 8 flood claims nearby since 1978.

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	5 in force
Nearby Flood Claims	8 (1978–2021)
Most Recent Claim	Jun 2021 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2021 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2015 · 2 claims

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

Wildfire risk around 8 River Ridge Ter is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.06% 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	ANDREW COUNTY PWSD 2 serves 3,580 people · EPA ID MO1024005
Water Source	Purchased groundwater from MO AMERICAN ST JOSEPH
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 24 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
Mercury Fiber Fixed Wireless	150 / 20