904 Locust St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 904 Locust St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	925 sqft · built 1956
Lot Size	0.283 acres (12,320 sqft)
Owner	Individual Name on Record
Tax Bill	$642 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Feb 2022 Transfer + 1 more
APN	`06-4.0-17-001-002-037.000`

Property Details

APN / Parcel Number

Primary APN	`06-4.0-17-001-002-037.000`

Interior

Building Area	925 sqft Base Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	12,320 sqft (0.283 acres)
Lot Dimensions	140 ft deep x 88 ft wide

Location & Zoning

Street Address	904 LOCUST ST
City	SAINT JOSEPH
State	MO
Zip	64501-2738
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:PATEE'S LOT:11 BLK:11LGL DESC:ALL L 11 & 12
Legal Subdivision	PATEES
Legal Block	11
Legal Lot Number	11
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2022
Census Tract	3002

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3000 S 29TH ST, SAINT JOSEPH, MO 64503-1118
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit UNITED CONSUMERS CU
Feb 10, 2022	Intrafamily Transfer, Transfer
Nov 15, 2019	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2019
Deed Sale	Nov 15, 2019
Prior Sale	Nov 13, 2009
Deed Document Number	201910084
Deed Book / Page	3743 / 627
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	904 LOCUST ST, SAINT JOSEPH, MO 64501-2738
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 S 29TH ST, SAINT JOSEPH, MO 64503-1118

Mortgage

Document Number	0003775/95
Date	Apr 19, 2022
Book Page	3775/95
Instrument	2022003685

Lender

Name	UNITED CONSUMERS CU
Type	Credit Union
Address	INDEPENDENCE, MO 64055

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 18, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Feb 10, 2022
Property Address	904 LOCUST ST, SAINT JOSEPH, MO 64501-2738
Document Number	003772/762
Book / Page	3772 / 762
Instrument Date	Feb 10, 2022
Instrument	2022001333
Transaction Type	Transfer
Record Updated	Jan 30, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3000 S 29TH ST, SAINT JOSEPH, MO 64503-1118

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Nov 15, 2019
Property Address	904 LOCUST ST, SAINT JOSEPH, MO 64501-2738
Document Number	003743/627
Book / Page	3743 / 627
Instrument Date	Nov 15, 2019
Instrument	2019010084
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 LOCUST ST, SAINT JOSEPH, MO 64501-2738

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	$642.00 (+0.16%)	$8,970 (+6.03%) Land $1,240 Building $7,730	$47,200 (+6.07%) Land $6,500 Building $40,700
2024	$641.00 (+15.7%)
2023	$554.00 (-0.72%)	$8,460 (-) Land $1,240 Building $7,220	$44,500 (-) Land $6,500 Building $38,000
2022	$558.00	$8,460 Land $1,240 Building $7,220
2021			$44,500 Land $6,500 Building $38,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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.

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 211 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

May also be available: Mercury Fiber.

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