Buchanan County property record for 910 W Cliff St, Saint Joseph, MO 64504
| Property Type | Single Family Home |
|---|---|
| Details | 864 sqft · built 1902 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $854 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Feb 2023 Mortgage |
| APN | 06-9.0-31-003-001-113.000 |
| Primary APN | 06-9.0-31-003-001-113.000 |
|---|
| Building Area | 864 sqft Base Area |
|---|---|
| 1st Floor Area | 864 sqft |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 110 ft deep x 77.6 ft wide |
| Street Address | 910 W CLIFF ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64504-2404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:ARTHUR'S ADDITION LOT:1 BLK:6LGL DESC:& LOTS 2, 3 & W 15' LOT 4 |
| Legal Subdivision | ARTHURS ADDITION |
| Legal Block | 6 |
| Legal Lot Number | 1-4 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 2500 |
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 | 910 W CLIFF ST, SAINT JOSEPH, MO 64504-2404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2023 | Deed of Trust, Mortgage · Line of Credit LUMINATE BANK |
| Feb 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GOETZ CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 910 W CLIFF ST, SAINT JOSEPH, MO 64504-2404 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 910 W CLIFF ST, SAINT JOSEPH, MO 64504-2404 |
| Document Number | 003785/969 |
|---|---|
| Date | Apr 7, 2023 |
| Book Page | 3785/969 |
| Instrument | 2023002468 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MO 64501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 910 W CLIFF ST, SAINT JOSEPH, MO 64504-2404 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA |
| Name | Verified Name |
|---|---|
| Address | 910 W CLIFF ST, SAINT JOSEPH, MO 64504-2404 |
| Document Number | 003784/897 |
|---|---|
| Date | Feb 28, 2023 |
| Book Page | 3784/897 |
| Instrument | 2023001382 |
| Name | GOETZ CU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MO 64501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 22, 2028 |
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 | $854.00 (+0.12%) | $12,390 (+5.9%) Land $2,540 Building $9,850 | $65,190 (+5.86%) Land $13,350 Building $51,840 |
| 2024 | $853.00 (+10.64%) | ||
| 2023 | $771.00 (-0.64%) | $11,700 (-) Land $2,540 Building $9,160 | $61,580 (-) Land $13,350 Building $48,230 |
| 2022 | $776.00 | $11,700 Land $2,540 Building $9,160 | |
| 2021 | $61,580 Land $13,350 Building $48,230 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 in force |
| Nearby Flood Claims | 14 (1984–2020) |
| Claims Outside the SFHA | 12 of 14 |
| Most Recent Claim | Sep 2020 · tidal / storm surge |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 208 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 |
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