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Single Family ResidenceResidential
$799,900$369 / 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 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $403,100 on Apr 27, 2021

2685 RIVER RIDGE RD

SAINT JOSEPH, MO 64507
0
Baths
2,168 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.
3.82 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.

Valuation

$800K
$770K low$830K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$403,100 · Apr 27, 2021
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$452,400
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$361,920
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.43%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$322,500
HNB NATIONAL BANK · recorded Apr 27, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$25,000
HNB NATIONAL BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,715 (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.$62,340 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$54,740
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$58,520
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$328,130

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.
43
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.
61
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.3.82
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Bessie Ellison Elementary SchoolB+
Elementary · Grades KG–6 · 2.3 mi
M
Bode Middle SchoolC
Middle · Grades 7–8 · 4.3 mi
H
Central High SchoolC
High · Grades 9–12 · 4.6 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

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

2685 River Ridge Rd 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.

  • Among the most valuable homes in Buchanan County
  • Among the highest price per square foot in Saint Joseph 64507
  • Bigger than 92% of homes in Saint Joseph 64507
  • Has a bigger lot than 92% of homes in Saint Joseph 64507
  • Newer than 97% 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
$48K$715K

This home is worth more than 98% 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$799,900
CheaperTypical $158,465Pricier

Pricier than 98% of homes nearby

Price per ft²$369
CheaperTypical $143Pricier

Pricier than almost all homes nearby

Living area2,168 ft²
SmallerTypical 1,120 ft²Bigger

Bigger than 92% of homes nearby

Lot size3.82 ac
SmallerTypical 0.17 acBigger

Bigger than 92% of homes nearby

Year built2008
OlderTypical 1932Newer

Newer than 96% of homes nearby

How 2685 River Ridge Rd ranks against every home in each area.
MeasureThis homeSaint Joseph 64507Buchanan County
Estimated valuepricier than$799,90098% of homesalmost all homes
Price per ft²pricier than$369almost all homesalmost all homes
Living areabigger than2,168 ft²92% of homes92% of homes
Lot sizebigger than3.82 ac92% of homes92% of homes
Year builtnewer than200896% of homes97% of homes

About 2685 River Ridge Rd

How much is 2685 River Ridge Rd, Saint Joseph, MO worth?

The TopHap Estimate for 2685 River Ridge Rd, Saint Joseph, MO is $799,900 as of Jul 14, 2026. The likely range is $769,979 to $829,821. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2685 River Ridge Rd, Saint Joseph, MO last sell?

2685 River Ridge Rd, Saint Joseph, MO last sold on Apr 27, 2021 for $403,100, according to the county's recorded deed.

How big is 2685 River Ridge Rd, Saint Joseph, MO?

2685 River Ridge Rd, Saint Joseph, MO has 2,168 square feet of living space and a 3.82-acre lot.

When was 2685 River Ridge Rd, Saint Joseph, MO built?

2685 River Ridge Rd, Saint Joseph, MO was built in 2008, making it 18 years old.

What schools serve 2685 River Ridge Rd, Saint Joseph, MO?

2685 River Ridge Rd, Saint Joseph, MO is assigned to Bessie Ellison Elementary School (elementary), rated B+; Bode Middle School (middle), 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 2685 River Ridge Rd, Saint Joseph, MO compare to other homes in Saint Joseph 64507?

Among the 5,089 homes in Saint Joseph 64507, it is worth more than 98% of them ($799,900 against a typical $158,465), its price per square foot is higher than almost all of them ($369 against a typical $143), it is bigger than 92% of them (2,168 ft² against a typical 1,120 ft²), its lot is bigger than 92% of them (3.82 ac against a typical 0.17 ac) and it is newer than 96% of them (2008 against a typical 1932). Measured against all of Buchanan County, it is worth more than almost all 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 2685 River Ridge Rd, Saint Joseph, MO?

The 2025 property tax bill for 2685 River Ridge Rd, Saint Joseph, MO was $3,715. The county assessed it at $62,340.

More homes on River Ridge Rd

Closest homes

More homes in Saint Joseph 64507

Assigned schools

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