109 W Springfield Ave, Union, MO 63084 Property Records

Franklin County property record for 109 W Springfield Ave, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,305 sqft · built 1920
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$145,500 (Feb 2019)
Tax Bill	$1,189 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-4-005-170.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-4-005-170.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	109 W SPRINGFIELD AVE
City	UNION
State	MO
Zip	63084-1754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:PT7&PT8 BERDINGS ADDN
Legal Range	1W
Legal Township	43N
Legal Section	27
Legal Subdivision	BERDINGS
Legal Lot Number	7
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2065
Census Tract	800604

Owner

Source: Franklin County records, as of February 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	109 W SPRINGFIELD AVE, UNION, MO 63084-1754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF WASHINGTON
May 15, 2020	Deed of Trust, Mortgage BANK OF WA
Feb 21, 2019	Warranty Deed, Transfer BANK OF WA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2019 · Amount on Record
Deed Sale	Feb 21, 2019 · Amount on Record
Prior Sale	Jun 3, 2005 · Amount on Record
Deed Document Number	20192067
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	109 W SPRINGFIELD AVE, UNION, MO 63084-1754
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002601528
Date	Feb 6, 2026
Instrument	2601528

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 2, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	109 W SPRINGFIELD AVE, UNION, MO 63084-1754
Document Number	0000011203
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W SPRINGFIELD AVE UNION MO 630841754, UNION, MO 63084-1754

Mortgage

Document Number	0000011203
Date	Jul 15, 2020
Instrument	11203

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 21, 2019
Property Address	109 W SPRINGFIELD AVE, UNION, MO 63084-1754
Document Number	0000002067
Instrument Date	Feb 21, 2019
Instrument	2067
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W SPRINGFIELD AVE UNION MO 630841754, UNION, MO 63084-1754

Mortgage

Document Number	2069
Date	Feb 21, 2019
Instrument	2069

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

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	$1,189.00 (+13.02%)	$19,948 (+13.93%)	$104,990 (+13.93%) Land $14,110 Building $90,880
2023	$1,052.00 (+4.68%)	$17,509	$92,150 Land $14,110 Building $78,040
2022	$1,005.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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