Buchanan County property record for 824 Garden St, Saint Joseph, MO 64504
| Property Type | Single Family Home |
|---|---|
| Details | 1,336 sqft · built 1950 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $259,826 (May 2026) |
| Tax Bill | $1,144 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit May 2026 Sale & Mortgage + 2 more |
| APN | 06-9.0-32-001-003-035.000 |
| Primary APN | 06-9.0-32-001-003-035.000 |
|---|
| Building Area | 1,336 sqft Base Area |
|---|---|
| 1st Floor Area | 1,336 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 132 ft deep x 58 ft wide |
| Street Address | 824 GARDEN ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64504-1723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:HYDE PARK 2ND EXTENSION LOT:8 BLK:10LGL DESC:E 25' LOT 8 & W 33' LOT 9 |
| Legal Subdivision | HYDE PARK 2ND EXTENSION |
| Legal Block | 10 |
| Legal Lot Number | 8-9 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 2300 |
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 | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jan 27, 2023 | Deed of Trust, Mortgage · Line of Credit WELLS BANK OF PLATTE CITY |
| May 1, 2026 | Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORPORATION |
| Jun 25, 2021 | Warranty Deed, Transfer · Line of Credit WELLS BANK OF PLATTE CITY |
| Feb 28, 2019 | Warranty Deed, Transfer · Conventional Mortgage FARMERS STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Prior Sale | Jun 25, 2021 · Amount on Record |
| Deed Document Number | 20263382 |
| Deed Book / Page | 3818 / 162 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA |
| Name | Verified Name |
|---|---|
| Address | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Document Number | 003784/150 |
|---|---|
| Date | Jan 27, 2023 |
| Book Page | 3784/150 |
| Instrument | 2023000627 |
| Name | WELLS BANK OF PLATTE CITY |
|---|---|
| Type | Bank |
| Address | PLATTE CITY, MO 64079 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | May 1, 2026 |
| Property Address | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Document Number | 0000003382 |
| Book / Page | 3818 / 162 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026.3382 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2026 |
| Title Company | ST JOSEPH TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Document Number | 0000003383, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 3818/163 |
| Instrument | 2026.3383 |
| Name | LEADER ONE FINANCIAL CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jun 25, 2021 |
| Property Address | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Document Number | 003763/998 |
| Book / Page | 3763 / 998 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2021006669 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | ST JOSEPH TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3620 SE WAMSLEY RD, CAMERON, MO 64429-9169 |
| Name | Verified Name |
|---|---|
| Address | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Document Number | 2021006670 |
|---|---|
| Date | Jun 25, 2021 |
| Instrument | 2021006670 |
| Name | WELLS BANK OF PLATTE CITY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Feb 28, 2019 |
| Property Address | 824 GARDEN ST, SAINT JOSEPH, MO 64504-1723 |
| Document Number | 003727/676 |
| Book / Page | 3727 / 676 |
| Map Reference | BK 2243 PG 289 |
| Instrument Date | Feb 27, 2019 |
| Instrument | 2019001414 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Title Company | CAMERON TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3620 SE WAMSLEY RD, CAMERON, MO 64429-9169 |
| Document Number | 003727/678 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | 3727/678 |
| Instrument | 2019001415 |
| Name | FARMERS STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 27, 2039 |
| Rate Type | Fixed Rate |
|---|
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 | $1,144.00 (+0.09%) | $15,960 (+6.19%) Land $2,580 Building $13,380 | $84,010 (+6.21%) Land $13,590 Building $70,420 |
| 2024 | $1,143.00 (+15.81%) | ||
| 2023 | $987.00 (-0.7%) | $15,030 (-) Land $2,580 Building $12,450 | $79,100 (-) Land $13,590 Building $65,510 |
| 2022 | $994.00 | $15,030 Land $2,580 Building $12,450 | |
| 2021 | $79,100 Land $13,590 Building $65,510 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 261 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 |
| AT&T Fixed Wireless | 100 / 20 |
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