364 River Cliff Dr, Union, MO 63084 Property Records

Franklin County property record for 364 River Cliff Dr, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2017
Lot Size	17 acres (740,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,700 (May 2015)
Tax Bill	$2,122 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`17-8-33.0-0-000-014.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-33.0-0-000-014.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Lot Area	740,520 sqft (17 acres)
Lean-To	432 sqft
Utility Building	1,728 sqft

Location & Zoning

Street Address	364 RIVER CLIFF DR
City	UNION
State	MO
Zip	63084-3848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	PT SE NE E OF BOUBEUSE RIVER
Legal Range	1W
Legal Township	43N
Legal Section	33
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	3
Census Block	3004
Census Tract	800605

Owner

Source: Franklin County records, as of June 2, 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 Record
Mailing Address	364 RIVER CLIFF DR, UNION, MO 63084-3848
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Dec 10, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Apr 24, 2018	Deed of Trust, Mortgage · VA Mortgage GOLDEN OAK LNDG
May 15, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF SULLIVAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2015 · Amount on Record
Deed Sale	May 7, 2015 · Amount on Record
Deed Document Number	20156381
Last Transfer Date	Feb 12, 2025
Transfer Doc	0002501921
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	364 RIVER CLIFF DR, UNION, MO 63084-3848
Document Number	0000020242
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	364 RIVER CLIFF DR UNION MO 630843848, UNION, MO 63084-3848

Mortgage

Document Number	0000020242
Date	Nov 20, 2020
Instrument	20242

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	364 RIVER CLIFF DR, UNION, MO 63084-3848
Document Number	0000017293
Instrument Date	Dec 10, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NAT'L TITLE-OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	364 RIVER CLIFF DR UNION MO 630843848, UNION, MO 63084-3848

Mortgage

Document Number	0000017293
Date	Dec 16, 2019
Instrument	17293

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 15, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	364 RIVER CLIFF DR, UNION, MO 63084-3848
Document Number	0000005905
Instrument Date	Apr 24, 2018
Transaction Type	Mortgage
Record Updated	May 21, 2018
Title Company	CLEAR TITLE GROUP LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	364 RIVER CLIFF DR UNION MO 630843848, UNION, MO 63084-3848

Mortgage

Document Number	0000005905
Date	May 1, 2018
Instrument	5905

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	364 RIVER CLIFF DR, UNION, MO 63084-3848
Document Number	0000008108
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	364 RIVER CLIFF DR UNION MO 630843848, UNION, MO 63084-3848

Mortgage

Document Number	0000008108
Date	May 31, 2017
Instrument	8108

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	Union R-XI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,122.00 (-1.44%)	$43,591 (+7.75%)	$238,540 (+6.59%) Land $20,710 Building $217,830
2023	$2,153.00 (-7.44%)	$40,456	$223,790 Land $18,710 Building $205,080
2022	$2,326.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	25 / 3

May also be available: BlueBit Networks, Gateway Fiber, Spectrum, Verizon.

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