401 W Main St, Union, MO 63084 Property Records

Franklin County property record for 401 W Main St, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,174 sqft · built 1942
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$157,800 (Feb 2020)
Tax Bill	$1,100 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-4-008-113.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-4-008-113.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,174 sqft Living Area

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Area	200 sqft
Patio Area	28 sqft

Location & Zoning

Street Address	401 W MAIN ST
City	UNION
State	MO
Zip	63084-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:PT5 SUDHOLTS ALT
Legal Range	1W
Legal Township	43N
Legal Section	27
Legal Subdivision	SUDHOLTS
Legal Lot Number	5
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2023
Census Tract	800604

Owner

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

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 File
Mailing Address	401 W MAIN ST, UNION, MO 63084-1324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
Mar 14, 2023	Deed of Trust, Mortgage · Line of Credit JUSTINE PETERSON HOUSING
Feb 7, 2020	Deed of Trust, Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 11, 2020 · Amount on Record
Deed Sale	Feb 11, 2020 · Amount on Record
Prior Sale	May 18, 2012 · Amount on Record
Deed Document Number	20201993
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 W MAIN ST, UNION, MO 63084-1324
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002211198
Date	Jul 15, 2022
Instrument	2211198

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Apr 1, 2062

Interest

Rate Type	Fixed Rate

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 W MAIN ST, UNION, MO 63084-1324
Transaction Type	Mortgage
Record Updated	Apr 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002302956
Date	Mar 14, 2023
Instrument	2302956

Lender

Name	JUSTINE PETERSON HOUSING
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 W MAIN ST, UNION, MO 63084-1324
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	401 W MAIN ST UNION MO 630841324, UNION, MO 63084-1324

Mortgage

Document Number	1994
Date	Feb 11, 2020
Instrument	1994

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 10, 2050

Tax Assessment & Valuation

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	$1,100.00 (+7.63%)	$18,462 (+8.56%)	$97,170 (+8.56%) Land $14,870 Building $82,300
2023	$1,022.00 (+13.43%)	$17,007	$89,510 Land $14,870 Building $74,640
2022	$901.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

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 Holdings 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 USA, Verizon.

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