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Single Family ResidenceResidential
$149,406$164 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

3812 PENN ST

SAINT JOSEPH, MO 64507
0
Baths
912 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1957
Year BuiltThe year the home was originally built, according to county records.

Valuation

$149K
$139K low$159K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$987 (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.$13,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,420
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$10,260
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$12,960
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$71,980

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.37
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
40
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.
14
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.0.29
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
Truman Middle SchoolD+
Middle · Grades 7–8 · 0.8 mi
E
Skaith Elementary SchoolC
Elementary · Grades KG–6 · 1.2 mi
H
Central High SchoolC+
High · Grades 9–12 · 1.7 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

3812 Penn 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.

  • Costs more per square foot than 67% of homes in Saint Joseph 64507
  • Smaller than 82% of homes in Buchanan County
  • Has a bigger lot than 68% of homes in Saint Joseph 64507
  • Newer than 71% of homes in Saint Joseph 64507

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$668K

This home is worth more than 46% 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$149,406
CheaperTypical $156,595Pricier

Pricier than 46% of homes nearby

Price per ft²$164
CheaperTypical $142Pricier

Pricier than 67% of homes nearby

Living area912 ft²
SmallerTypical 1,120 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.29 ac
SmallerTypical 0.17 acBigger

Bigger than 68% of homes nearby

Year built1957
OlderTypical 1932Newer

Newer than 71% of homes nearby

How 3812 Penn St ranks against every home in each area.
MeasureThis homeSaint Joseph 64507Buchanan County
Estimated valuepricier than$149,40646% of homes39% of homes
Price per ft²pricier than$16467% of homes57% of homes
Living areabigger than912 ft²23% of homes18% of homes
Lot sizebigger than0.29 ac68% of homes61% of homes
Year builtnewer than195771% of homes56% of homes

About 3812 Penn St

How much is 3812 Penn St, Saint Joseph, MO worth?

The TopHap Estimate for 3812 Penn St, Saint Joseph, MO is $149,406 as of Oct 21, 2026. The likely range is $139,451 to $159,361. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3812 Penn St, Saint Joseph, MO last sell?

3812 Penn St, Saint Joseph, MO last sold on Mar 4, 2021, according to the county's recorded deed.

How big is 3812 Penn St, Saint Joseph, MO?

3812 Penn St, Saint Joseph, MO has 912 square feet of living space and a 0.29-acre lot.

When was 3812 Penn St, Saint Joseph, MO built?

3812 Penn St, Saint Joseph, MO was built in 1957, making it 69 years old.

What schools serve 3812 Penn St, Saint Joseph, MO?

3812 Penn St, Saint Joseph, MO is assigned to Truman Middle School (middle), rated D+; Skaith 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 3812 Penn 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 46% of them ($149,406 against a typical $156,595), its price per square foot is higher than 67% of them ($164 against a typical $142), it is bigger than 23% of them (912 ft² against a typical 1,120 ft²), its lot is bigger than 68% of them (0.29 ac against a typical 0.17 ac) and it is newer than 71% of them (1957 against a typical 1932). Measured against all of Buchanan County, it is worth more than 39% 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 3812 Penn St, Saint Joseph, MO?

The 2025 property tax bill for 3812 Penn St, Saint Joseph, MO was $987. The county assessed it at $13,680.

More homes on Penn St

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Assigned schools

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