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Single Family ResidenceResidential
$104,287$122 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

3504 MONTEREY ST

SAINT JOSEPH, MO 64507
0
Baths
858 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1917
Year BuiltThe year the home was originally built, according to county records.

Valuation

$104K
$95K low$114K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$774 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$10,750 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,430
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$8,320
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$10,180
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$56,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.30
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
75
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
58
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
16
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyBUCHANAN
Lot (acres)The size of the land the home sits on, from county records.0.16
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Harry S. Truman Middle SchoolD-
Middle · Grades 7–8 · 0.6 mi
E
Pickett Elementary SchoolC
Elementary · Grades KG–6 · 0.9 mi
H
Central High SchoolC
High · Grades 9–12 · 1.4 mi

District: St. Joseph School District

Neighborhood · ZIP 64507These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.93
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.125
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.22

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.14,833
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.257 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,170
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,643
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3504 Monterey St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 82% of homes in Saint Joseph 64507
  • Costs less per square foot than 70% of homes in Saint Joseph 64507
  • Smaller than 88% of homes in Buchanan County
  • Has a smaller lot than 67% of homes in Buchanan County
  • Older than 74% of homes in Buchanan County

What homes are worth in Saint Joseph 64507

Each bar is how many homes fall in that price range. The marker is this home.

This home
$53K$672K

This home is worth more than 18% of homes in Saint Joseph 64507.

How it measures up in Saint Joseph 64507

The dot is this home. The mark in the middle is the typical home in Saint Joseph 64507.

Estimated value$104,287
CheaperTypical $155,718Pricier

Pricier than 18% of homes nearby

Price per ft²$122
CheaperTypical $143Pricier

Pricier than 30% of homes nearby

Living area858 ft²
SmallerTypical 1,122 ft²Bigger

Bigger than 16% of homes nearby

Lot size0.16 ac
SmallerTypical 0.17 acBigger

Bigger than 47% of homes nearby

Year built1917
OlderTypical 1932Newer

Newer than 31% of homes nearby

How 3504 Monterey St ranks against every home in each area.
MeasureThis homeSaint Joseph 64507Buchanan County
Estimated valuepricier than$104,28718% of homes21% of homes
Price per ft²pricier than$12230% of homes32% of homes
Living areabigger than858 ft²16% of homes12% of homes
Lot sizebigger than0.16 ac47% of homes33% of homes
Year builtnewer than191731% of homes26% of homes

About 3504 Monterey St

How much is 3504 Monterey St, Saint Joseph, MO worth?

The TopHap Estimate for 3504 Monterey St, Saint Joseph, MO is $104,287 as of Sep 24, 2026. The likely range is $94,829 to $113,745. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3504 Monterey St, Saint Joseph, MO last sell?

3504 Monterey St, Saint Joseph, MO last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3504 Monterey St, Saint Joseph, MO?

3504 Monterey St, Saint Joseph, MO has 858 square feet of living space and a 0.16-acre lot.

When was 3504 Monterey St, Saint Joseph, MO built?

3504 Monterey St, Saint Joseph, MO was built in 1917, making it 109 years old.

What schools serve 3504 Monterey St, Saint Joseph, MO?

3504 Monterey St, Saint Joseph, MO is assigned to Harry S. Truman Middle School (middle), rated D-; Pickett Elementary School (elementary), rated C; Central High School (high), rated C. All sit in St. Joseph School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3504 Monterey St, Saint Joseph, MO compare to other homes in Saint Joseph 64507?

Among the 5,088 homes in Saint Joseph 64507, it is worth more than 18% of them ($104,287 against a typical $155,718), its price per square foot is higher than 30% of them ($122 against a typical $143), it is bigger than 16% of them (858 ft² against a typical 1,122 ft²), its lot is bigger than 47% of them (0.16 ac against a typical 0.17 ac) and it is newer than 31% of them (1917 against a typical 1932). Measured against all of Buchanan County, it is worth more than 21% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3504 Monterey St, Saint Joseph, MO?

The 2025 property tax bill for 3504 Monterey St, Saint Joseph, MO was $774. The county assessed it at $10,750.

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