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Single Family ResidenceResidential
$184,086$177 / 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 79How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

520 CARDIFF DR

SAINT JOSEPH, MO 64504
0
Baths
1,040 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.
4.05 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
Year BuiltThe year the home was originally built, according to county records.

Valuation

$184K
$146K low$222K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,358 (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.$21,390 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,190
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$17,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$18,410
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$112,590

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.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
44
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
76
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
57
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.4.05
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
Hosea Elementary SchoolC
Elementary · Grades KG–6 · 1.0 mi
H
Benton High SchoolC-
High · Grades 9–12 · 1.2 mi
M
Spring Garden Middle SchoolC+
Middle · Grades 7–8 · 1.6 mi

District: St. Joseph School District

Neighborhood · ZIP 64504These 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.134
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.122
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.27

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.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.23%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.9,759
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.205 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$52,175
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$65,631
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.37 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

520 Cardiff Dr 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 more than 76% of homes in Saint Joseph 64504
  • Costs more per square foot than 87% of homes in Saint Joseph 64504
  • Smaller than 68% of homes in Buchanan County
  • Has a bigger lot than 92% of homes in Saint Joseph 64504
  • Newer than 85% of homes in Saint Joseph 64504

What homes are worth in Saint Joseph 64504

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

This home
$42K$461K

This home is worth more than 76% of homes in Saint Joseph 64504.

How it measures up in Saint Joseph 64504

The dot is this home. The mark in the middle is the typical home in Saint Joseph 64504.

Estimated value$184,086
CheaperTypical $107,962Pricier

Pricier than 76% of homes nearby

Price per ft²$177
CheaperTypical $100Pricier

Pricier than 87% of homes nearby

Living area1,040 ft²
SmallerTypical 1,103 ft²Bigger

Bigger than 42% of homes nearby

Lot size4.05 ac
SmallerTypical 0.22 acBigger

Bigger than 92% of homes nearby

Year built1985
OlderTypical 1930Newer

Newer than 85% of homes nearby

How 520 Cardiff Dr ranks against every home in each area.
MeasureThis homeSaint Joseph 64504Buchanan County
Estimated valuepricier than$184,08676% of homes51% of homes
Price per ft²pricier than$17787% of homes65% of homes
Living areabigger than1,040 ft²42% of homes32% of homes
Lot sizebigger than4.05 ac92% of homes92% of homes
Year builtnewer than198585% of homes81% of homes

About 520 Cardiff Dr

How much is 520 Cardiff Dr, Saint Joseph, MO worth?

The TopHap Estimate for 520 Cardiff Dr, Saint Joseph, MO is $184,086 as of Aug 30, 2026. The likely range is $145,693 to $222,479. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 520 Cardiff Dr, Saint Joseph, MO last sell?

520 Cardiff Dr, Saint Joseph, MO last sold on Sep 17, 2018, according to the county's recorded deed.

How big is 520 Cardiff Dr, Saint Joseph, MO?

520 Cardiff Dr, Saint Joseph, MO has 1,040 square feet of living space and a 4.05-acre lot.

When was 520 Cardiff Dr, Saint Joseph, MO built?

520 Cardiff Dr, Saint Joseph, MO was built in 1985, making it 41 years old.

What schools serve 520 Cardiff Dr, Saint Joseph, MO?

520 Cardiff Dr, Saint Joseph, MO is assigned to Hosea Elementary School (elementary), rated C; Benton High School (high), rated C-; Spring Garden Middle School (middle), rated C+. All sit in St. Joseph School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 520 Cardiff Dr, Saint Joseph, MO compare to other homes in Saint Joseph 64504?

Among the 4,086 homes in Saint Joseph 64504, it is worth more than 76% of them ($184,086 against a typical $107,962), its price per square foot is higher than 87% of them ($177 against a typical $100), it is bigger than 42% of them (1,040 ft² against a typical 1,103 ft²), its lot is bigger than 92% of them (4.05 ac against a typical 0.22 ac) and it is newer than 85% of them (1985 against a typical 1930). Measured against all of Buchanan County, it is worth more than 51% 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 520 Cardiff Dr, Saint Joseph, MO?

The 2025 property tax bill for 520 Cardiff Dr, Saint Joseph, MO was $1,358. The county assessed it at $21,390.

More homes on Cardiff Dr

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Assigned schools

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