401 Gruber Ave, Union, MO 63084 Property Records

Franklin County property record for 401 Gruber Ave, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,432 sqft · built 1956
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$177,500 (Jul 2017)
Tax Bill	$3,355 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-3-012-231.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-3-012-231.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,432 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Lot Area	21,780 sqft (0.5 acres)
Garage Area	770 sqft
Patio Area	495 sqft

Location & Zoning

Street Address	401 GRUBER AVE
City	UNION
State	MO
Zip	63084-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1,2&PT3 HALL BROTHERS
Legal Range	01W
Legal Township	43
Legal Section	27
Legal Quarter	SW
Legal Subdivision	HALL BROTHERS
Legal Block	12
Legal Lot Number	1,2 2
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2084
Census Tract	800604

Owner

401 Gruber Ave is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 GRUBER AVE, UNION, MO 63084-1901
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE COMMUNITY BANK
Jul 28, 2017	Warranty Deed, Transfer BANK OF FRANKLIN CNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2017 · Amount on File
Deed Sale	Jul 28, 2017 · Amount on File
Deed Document Number	1711407
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 GRUBER AVE, UNION, MO 63084-1901
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002113206
Date	Jul 15, 2021
Instrument	2113206

Lender

Name	HERITAGE COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jun 15, 2026

Interest

Rate Type	Fixed Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jul 28, 2017
Property Address	401 GRUBER AVE, UNION, MO 63084-1901
Document Number	0000011407
Instrument Date	Jul 25, 2017
Instrument	11407
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	FRANKLIN COUNTY TITLE

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	401 GRUBER AVE UNION MO 630841901, UNION, MO 63084-1901

Mortgage

Document Number	11408
Date	Jul 28, 2017
Instrument	11408

Lender

Name	BANK OF FRANKLIN CNTY
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.4%

Tax Assessment & Valuation

The 2025 property tax bill for 401 Gruber Ave was $3,355.

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	$3,355.00	$56,271	$296,160 Land $31,910 Building $264,250
2023	$3,225.00 (+9.47%)	$53,639	$282,310 Land $31,910 Building $250,400
2022	$2,946.00

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 401 Gruber Ave 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 401 Gruber Ave 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	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 425 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
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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