285 Summerset Ln, Union, MO 63084 Property Records

Franklin County property record for 285 Summerset Ln, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,307 sqft · built 2002
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on File
Last Sale	$247,500 (Sep 2019)
Tax Bill	$2,345 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-9-31.1-0-009-012.370`

Property Details

APN / Parcel Number

Primary APN	`18-9-31.1-0-009-012.370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,307 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Patio Area	100 sqft

Location & Zoning

Street Address	285 SUMMERSET LN
City	UNION
State	MO
Zip	63084-4492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT:35 GRANDVIEW VALLEY
Legal Range	1E
Legal Township	43N
Legal Section	31
Legal Subdivision	GRANDVIEW VALLEY
Legal Lot Number	35
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1044
Census Tract	800606

Owner

Source: Franklin County records · APN 18-9-31.1-0-009-012.370

Assessment roll updated November 11, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	285 SUMMERSET LN, UNION, MO 63084-4492
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 05, 2019 · Amount on Record
Deed Sale	Sep 05, 2019 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Document Number	201911700
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 05, 2019
Property Address	285 SUMMERSET LN, UNION, MO 63084-4492
Document Number	0000011700
Instrument Date	Sep 05, 2019
Instrument	11700
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	FRANKLIN COMPANY TITLE COMPANY, FRANKLIN CO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	285 SUMMERSET LN UNION MO 630844492, UNION, MO 63084-4492

Mortgage

Document Number	11701
Date	Sep 05, 2019
Instrument	11701

Lender

Name	CITIZENS BK
Type	Bank
Address	NEW HAVEN, MO 63068

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 04, 2049

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated November 11, 2025 · Last verified August 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,345.00 (+17.66%)	$39,343 (+18.7%)	$207,070 (+18.7%) Land $30,000 Building $177,070
2023	$1,993.00 (-9.53%)	$33,146	$174,450 Land $30,000 Building $144,450
2022	$2,203.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 4, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 155 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FRANKLIN COUNTY PWSD 3 serves 8,250 people
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.