Franklin County property record for 312 River Cliff Dr, Union, MO 63084
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 3 ba · 2,596 sqft · built 2003 |
| Lot Size | 3.3 acres (143,748 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,285 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-8-34.0-0-009-035.200 |
| Primary APN | 17-8-34.0-0-009-035.200 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,596 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Mobile Home |
| Lot Area | 143,748 sqft (3.3 acres) |
| Garage Area | 400 sqft |
| Patio Area | 240 sqft |
| Street Address | 312 RIVER CLIFF DR |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-3848 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | ANU |
| Legal Description | LOT:2 SPAUNHORST |
| Legal Range | 01W |
| Legal Township | 43 |
| Legal Section | 34 |
| Legal Subdivision | SPAUNHORST |
| Legal Block | 9 |
| Legal Lot Number | 2 |
| Legal Unit | 2 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 800605 |
Source: Franklin County records, as of November 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 312 RIVER CLIFF DR, UNION, MO 63084-3848 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Mar 12, 2020 | Deed of Trust, Mortgage UNITED BK/UNION |
| Jul 17, 2018 | Warranty Deed, Transfer · Line of Credit UNITED BK/UNION |
| May 2, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2023 |
| Deed Sale | Jul 6, 2023 |
| Prior Sale | Jul 17, 2018 |
| Deed Document Number | 2307750 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jul 6, 2023 |
| Property Address | 312 RIVER CLIFF DR, UNION, MO 63084-3848 |
| Document Number | 0002307750 |
| Map Reference | PB N PG 225 |
| Instrument Date | Jul 6, 2023 |
| Instrument | 2307750 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 RIVER CLIFF DR, UNION, MO 63084-3848 |
| Document Number | 0002307751 |
|---|---|
| Date | Jul 6, 2023 |
| Instrument | 2307751 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 312 RIVER CLIFF DR, UNION, MO 63084-3848 |
| Document Number | 0000003772 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 312 RIVER CLIFF DR UNION MO 630843848, UNION, MO 63084-3848 |
| Document Number | 0000003772 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 3772 |
| Name | UNITED BK/UNION |
|---|---|
| Type | Bank |
| Address | UNION, MO 63084 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 16, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jul 17, 2018 |
| Property Address | 312 RIVER CLIFF DR, UNION, MO 63084-3848 |
| Document Number | 0000009883 |
| Instrument Date | Jul 16, 2018 |
| Instrument | 9883 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2018 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 312 RIVER CLIFF DR UNION MO 630843848, UNION, MO 63084-3848 |
| Document Number | 9884 |
|---|---|
| Date | Jul 17, 2018 |
| Instrument | 9884 |
| Name | UNITED BK/UNION |
|---|---|
| Type | Bank |
| Address | UNION, MO 63084 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 16, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | May 2, 2018 |
| Property Address | 312 RIVER CLIFF DR, UNION, MO 63084-3848 |
| Document Number | 0000005910 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 5910 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2018 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 377 WASHINGTON MO 630900377, WASHINGTON, MO 63090-0377 |
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Union R-XI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,285.00 (+7.62%) | $24,347 (+8.55%) | $128,140 (+8.55%) Land $40,000 Building $88,140 |
| 2023 | $1,194.00 (+13.5%) | $22,430 | $118,050 Land $30,100 Building $87,950 |
| 2022 | $1,052.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 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.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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