915 W Cliff St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 915 W Cliff St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	1,270 sqft · built 1951
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$154,200 (Apr 2023)
Tax Bill	$913 (2025)
Deeds & Mortgages	Apr 2023 Mortgage
APN	`06-9.0-31-003-001-103.000`

Property Details

APN / Parcel Number

Primary APN	`06-9.0-31-003-001-103.000`

Interior

Building Area	1,270 sqft Base Area
1st Floor Area	1,270 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	120 ft deep x 95.7 ft wide

Location & Zoning

Street Address	915 W CLIFF ST
City	SAINT JOSEPH
State	MO
Zip	64504-2403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	31-57-35SWSUB: LOT: BLK:LGL DESC:BEG NW COR L10 BLK 7 ARTHURS TH W 95.69' TH S 120' TO PNT ON N/L CLIFF ST TH E 95.69' TO SW COR OF L10 TH N TO POB
Legal Range	35W
Legal Township	57N
Legal Section	31
Legal Subdivision	ARTHURS
Legal Block	7
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1037
Census Tract	2500

Owner

915 W Cliff St is owned and occupied by two individuals who bought it in April 2023.

Source: Buchanan County records, as of July 21, 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	2 Individual Names on File
Mailing Address	915 W CLIFF ST, SAINT JOSEPH, MO 64504-2403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on File
Deed Sale	Apr 14, 2023 · Amount on File
Deed Document Number	20232644
Deed Book / Page	3786 / 143
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 14, 2023
Property Address	915 W CLIFF ST, SAINT JOSEPH, MO 64504-2403
Document Number	003786/143
Book / Page	3786 / 143
Instrument Date	Apr 14, 2023
Instrument	2023002644
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 W CLIFF ST, SAINT JOSEPH, MO 64504-2403
Investor	Possibly a Property Investor

Mortgage

Document Number	2023002645
Date	Apr 14, 2023
Instrument	2023002645

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 915 W Cliff St was $913.

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	$913.00	$12,750 Land $1,940 Building $10,810	$67,070 Land $10,200 Building $56,870
2024	$913.00 (+16.01%)
2023	$787.00 (-0.63%)	$11,990 (-) Land $1,940 Building $10,050	$63,100 Land $10,200 Building $52,900
2022	$792.00	$11,990 Land $1,940 Building $10,050
2021			$63,100 Land $10,200 Building $52,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 915 W Cliff St; there have been 6 flood claims nearby since 1984.

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	3 in force
Nearby Flood Claims	6 (1984–2020)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jul 2020 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 3 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 915 W Cliff St is low, with a 0.02% annual chance of wildfire.

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.

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 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