320 Central Ave, Union, MO 63084 Property Records

Franklin County property record for 320 Central Ave, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 812 sqft · built 1953
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Tax Bill	$904 (2025)
Deeds & Mortgages	May 2022 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-1-001-001.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-1-001-001.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	812 sqft Living Area

Exterior

Year Built	Built 1953
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	320 CENTRAL AVE
City	UNION
State	MO
Zip	63084-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:PT1 SHOE FACTORY ADDN
Legal Range	01W
Legal Township	43
Legal Section	27
Legal Quarter	NE
Legal Subdivision	SHOE FACTORY
Legal Block	1
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	3
Census Block	3020
Census Tract	800603

Owner

Source: Franklin County records, as of November 10, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	320 CENTRAL AVE, UNION, MO 63084-1206
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Commercial Mortgage UNITED BANK OF UNION
Dec 13, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022
Deed Sale	Dec 13, 2022
Prior Sale	May 24, 2022
Deed Document Number	2218537
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	320 CENTRAL AVE, UNION, MO 63084-1206
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002208480
Date	May 24, 2022
Instrument	2208480

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 13, 2022
Property Address	320 CENTRAL AVE, UNION, MO 63084-1206
Document Number	0002218537
Map Reference	PB C PG 21
Instrument Date	Dec 8, 2022
Instrument	2218537
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CENTRAL AVE, UNION, MO 63084-1206

Mortgage

Document Number	0002218538
Date	Dec 13, 2022
Instrument	2218538

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 30, 2017
Property Address	320 CENTRAL AVE, UNION, MO 63084-1206
Document Number	0000001278
Instrument Date	Jan 18, 2017
Instrument	1278
Transaction Type	Transfer
Record Updated	Feb 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	873 PORTERFORD RD UNION MO 630843908, UNION, MO 63084-3908

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 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	$904.00 (+5.48%)	$15,176 (+6.45%)	$79,870 (+6.45%) Land $9,750 Building $70,120
2023	$857.00 (+28.29%)	$14,256	$75,030 Land $9,750 Building $65,280
2022	$668.00

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

Flood

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	7 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

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	Indirect within 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 312 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

May also be available: AT&T, T-Mobile, Verizon.

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