101 N Oak St, Union, MO 63084 Property Records

Franklin County property record for 101 N Oak St, Union, MO 63084

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3,464 sqft · built 1905
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Tax Bill	$1,873 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Apr 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-4-002-058.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-4-002-058.000`

Interior

Total Rooms	16 Rooms
Units	4 Units
Building Area	3,464 sqft Total Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	4,356 sqft (0.1 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	101 N OAK ST
City	UNION
State	MO
Zip	63084-1612
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	APARTMENTSLOT:1 O T OF UNION
Legal Range	1W
Legal Township	43N
Legal Section	27
Legal Subdivision	O T OF UNION
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2041
Census Tract	800604

Owner

Source: Franklin County records, as of November 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	301 E MAIN ST, UNION, MO 63084-1621
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE COMMUNITY BANK
Apr 5, 2024	Quit Claim Deed, Transfer Quitclaim
May 3, 2021	Warranty Deed, Transfer · Conventional Mortgage ELECTRO SAVINGS CU
Jun 8, 2018	Warranty Deed, Transfer · Line of Credit UNITED BK/UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2024
Deed Sale	Apr 5, 2024
Prior Sale	Sep 18, 2023 · Amount on Record
Deed Document Number	20242403768
Prior Transfer Date	Apr 1, 2024
Prior Transfer Doc	0002403768
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	101 N OAK ST, UNION, MO 63084-1612
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002311021
Date	Sep 18, 2023
Instrument	2311021

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 5, 2024
Property Address	101 N OAK ST, UNION, MO 63084-1612
Document Number	0002403768
Map Reference	BK B PG 65
Instrument Date	Apr 1, 2024
Instrument	2403768
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 E MAIN ST, UNION, MO 63084-1621

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 3, 2021
Property Address	101 N OAK ST, UNION, MO 63084-1612
Document Number	0002108194
Map Reference	DB B PG 65
Instrument Date	Apr 29, 2021
Instrument	2108194
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 SAINT JOSEPH AVE, O FALLON, MO 63366-1709

Mortgage

Document Number	0002108195
Date	May 3, 2021
Instrument	2108195

Lender

Name	ELECTRO SAVINGS CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jun 8, 2018
Property Address	101 N OAK ST, UNION, MO 63084-1672
Document Number	0000007908
Instrument Date	Jun 8, 2018
Instrument	7908
Transaction Type	Transfer
Record Updated	Jul 17, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	324 US HIGHWAY 50 W UNION MO 630841934, UNION, MO 63084-1934

Mortgage

Document Number	7909
Date	Jun 8, 2018
Instrument	7909

Lender

Name	UNITED BK/UNION
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 7, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	Union City
Unified School District	Union R-XI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,873.00 (-10.12%)	$31,414 (-9.37%)	$165,340 (-9.37%) Land $11,570 Building $153,770
2023	$2,084.00 (+18.95%)	$34,663	$182,440 Land $11,570 Building $170,870
2022	$1,752.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	UNION PWS serves 12,348 people · EPA ID MO6010801
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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