3 S Oak St, Union, MO 63084 Property Records

Franklin County property record for 3 S Oak St, Union, MO 63084

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2,112 sqft · built 1900
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Dec 2008)
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-4-002-052.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-4-002-052.000`

Interior

Total Rooms	4 Rooms
Building Area	2,112 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	4,356 sqft (0.1 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	3 S OAK ST
City	UNION
State	MO
Zip	63084-1817
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	CREATIONS BY LAURAS 1/2 OF LOT 4 BLK:62 O T OF UNION
Legal Subdivision	O T OF UNION
Legal Block	62
Legal Lot Number	4
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2054
Census Tract	800604

Owner

3 S Oak St, a commercial property, is owned by a company that bought it in December 2008.

Source: Franklin County records, as of August 4, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 143, BEAUFORT, MO 63013-0143
Owner Type	Company
Vesting	Company

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
Mar 10, 2020	Quit Claim Deed, Transfer · Line of Credit FIRST STATE CMNTY BK
Dec 19, 2019	Deed of Trust, Mortgage · Line of Credit FIRST STATE CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2008 · Amount on File
Deed Sale	Dec 23, 2008 · Amount on File
Deed Document Number	200822563
Record Updated	Oct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 10, 2020
Property Address	3 S OAK ST, UNION, MO 63084-1817
Document Number	0000003439
Instrument Date	Mar 10, 2020
Instrument	3439
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 143 BEAUFORT MO 630130143, BEAUFORT, MO 63013-0143

Mortgage

Document Number	4659
Date	Mar 10, 2020
Instrument	4659

Lender

Name	FIRST STATE CMNTY BK
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	3 S OAK ST, UNION, MO 63084-1817
Document Number	0000000230
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	HILLSBORO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	475 MARENS WAY BEAUFORT MO 630131577, BEAUFORT, MO 63013-1577

Mortgage

Document Number	0000000230
Date	Jan 6, 2020
Instrument	230

Lender

Name	FIRST STATE CMNTY BK
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 S Oak St was $2,321.

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	$2,321.00	$36,032	$112,600 Land $19,200 Building $93,400
2023	$2,339.00 (+6.13%)	$36,032	$112,600 Land $19,200 Building $93,400
2022	$2,204.00

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

FEMA maps place 3 S Oak St 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	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

Wildfire risk around 3 S Oak St is low, with a 0.01% 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	0.01% 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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