120 Holt Ridge Dr, Union, MO 63084 Property Records

Franklin County property record for 120 Holt Ridge Dr, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 1985
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Tax Bill	$2,436 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-9-30.1-0-000-034.000`

Property Details

APN / Parcel Number

Primary APN	`17-9-30.1-0-000-034.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,684 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)
Garage Area	1,008 sqft

Location & Zoning

Street Address	120 HOLT RIDGE DR
City	UNION
State	MO
Zip	63084-3628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CA
Legal Description	PT SE NE
Legal Range	1W
Legal Township	43N
Legal Section	30
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1006
Census Tract	800605

Owner

120 Holt Ridge Dr is owned and occupied by an individual who acquired it in April 2022.

Source: Franklin County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	120 HOLT RIDGE DR, UNION, MO 63084-3628
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK OF UNION
May 11, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL SVGS BK
May 11, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 11, 2022
Transfer Doc	0000006783
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	120 HOLT RIDGE DR, UNION, MO 63084-3628
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002205689
Date	Apr 8, 2022
Instrument	2205689

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	120 HOLT RIDGE DR, UNION, MO 63084-3628
Document Number	0000006778
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 HOLT RIDGE DR UNION MO 630843628, UNION, MO 63084-3628

Mortgage

Document Number	0000006778
Date	May 18, 2018
Instrument	6778

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	960 Months
Due	May 17, 2098

Interest

Rate Type	Adjustable Rate
Rate	5.4%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	120 HOLT RIDGE DR, UNION, MO 63084-3628
Document Number	0000006779
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 HOLT RIDGE DR UNION MO 630843628, UNION, MO 63084-3628

Mortgage

Document Number	0000006779
Date	May 18, 2018
Instrument	6779

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	960 Months
Due	May 17, 2098

Interest

Rate Type	Adjustable Rate
Rate	5.4%

Tax Assessment & Valuation

The 2025 property tax bill for 120 Holt Ridge Dr was $2,436.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,436.00	$46,138	$242,830 Land $67,000 Building $175,830
2023	$2,221.00 (+4.76%)	$41,718	$219,570 Land $57,000 Building $162,570
2022	$2,120.00

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

Flood

FEMA maps place 120 Holt Ridge Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 120 Holt Ridge Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: Bays-ET Highspeed, BlueBit Networks, Spectrum.

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