Franklin County property record for 1606 Penny Ln, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,210 sqft · built 1995 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Last Sale | $212,800 (Apr 2022) |
| Tax Bill | $1,979 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-9-31.2-0-001-060.000 |
| Primary APN | 18-9-31.2-0-001-060.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,210 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Frame |
| Lot Area | 26,136 sqft (0.6 acres) |
| Shed | 1 Shed |
| Street Address | 1606 PENNY LN |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-3364 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:50 STRAWBERRY FIELDS |
| Legal Range | 1E |
| Legal Township | 43N |
| Legal Section | 31 |
| Legal Subdivision | STRAWBERRY FIELDS |
| Legal Lot Number | 50 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 800606 |
1606 Penny Ln is owned and occupied by an individual who bought it in April 2022.
Source: Franklin County records, as of April 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| 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.
| Date | Document |
|---|---|
| Nov 5, 2025 | Deed of Trust, Mortgage · FHA Mortgage GENEVA FINANCIAL LLC |
| Apr 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION CO LLC |
| Mar 12, 2020 | Deed of Trust, Mortgage GOLDEN OAK LNDG |
| Mar 12, 2020 | Deed of Trust, Mortgage · Line of Credit WEST CMNTY CU |
| May 4, 2017 | Warranty Deed, Transfer AMERICAN PACIFIC MTG |
| Jan 27, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2022 · Amount on File |
| Deed Sale | Apr 4, 2022 · Amount on File |
| Prior Sale | May 4, 2017 · Amount on File |
| Deed Document Number | 20225397 |
| Prior Transfer Date | Jan 25, 2017 |
| Prior Transfer Doc | 0000001200 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Title Company | ESCROWNET, ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0002514172 |
|---|---|
| Date | Nov 5, 2025 |
| Instrument | 2514172 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Apr 4, 2022 |
| Property Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| Document Number | 0002205397 |
| Map Reference | PB O PG484 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 2205397 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2215 SPIELHAGEN RD, 2215, TROY, MO 63379-3511 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| Document Number | 0002205398 |
|---|---|
| Date | Apr 4, 2022 |
| Instrument | 2205398 |
| Name | DAS ACQUISITION CO LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| Document Number | 0000003860 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1606 PENNY LN UNION MO 630843364, UNION, MO 63084-3364 |
| Document Number | 0000003860 |
|---|---|
| Date | Mar 18, 2020 |
| Instrument | 3860 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 17, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| Document Number | 0000003890 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1606 PENNY LN UNION MO 630843364, UNION, MO 63084-3364 |
| Document Number | 0000003890 |
|---|---|
| Date | Mar 19, 2020 |
| Instrument | 3890 |
| Name | WEST CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 18, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | May 4, 2017 |
| Property Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| Document Number | 0000006509 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 6509 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2020 |
| Title Company | COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1606 PENNY LN UNION MO 630843364, UNION, MO 63084-3364 |
| Document Number | 6510 |
|---|---|
| Date | May 4, 2017 |
| Instrument | 6510 |
| Name | AMERICAN PACIFIC MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 3, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jan 27, 2017 |
| Property Address | 1606 PENNY LN, UNION, MO 63084-3364 |
| Document Number | 0000001200 |
| Instrument Date | Jan 25, 2017 |
| Instrument | 1200 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1606 PENNY LN UNION MO 630843364, UNION, MO 63084-3364 |
The 2025 property tax bill for 1606 Penny Ln was $1,979.
Source: Franklin County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | Union City |
| Unified School District | Union R-XI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,979.00 | $33,195 | $174,710 Land $25,460 Building $149,250 |
| 2023 | $1,735.00 (-4.09%) | $28,855 | $151,870 Land $25,460 Building $126,410 |
| 2022 | $1,809.00 |
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.
FEMA maps place 1606 Penny Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2023.
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 | 4 in force |
| Nearby Flood Claims | 2 (2023–2025) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2025 · other causes |
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 risk around 1606 Penny Ln is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
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