Franklin County property record for 401 Water Tower Dr, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,280 sqft · built 2004 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,200 (Jun 2004) |
| Tax Bill | $1,688 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-5-22.0-4-025-053.240 |
| Primary APN | 17-5-22.0-4-025-053.240 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,280 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Patio Area | 100 sqft |
| Shed | 1 Shed |
| Street Address | 401 WATER TOWER DR |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-1168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:7 PARK HILL ESTATES 3 |
| Legal Range | 01W |
| Legal Township | 43 |
| Legal Section | 22 |
| Legal Quarter | SE |
| Legal Subdivision | PARK HILL ESTATES |
| Legal Block | 25 |
| Legal Lot Number | 7 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 800603 |
401 Water Tower Dr is owned and occupied by two individuals who acquired it in October 2015.
Source: Franklin County records, as of November 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 WATER TOWER DR, UNION, MO 63084-1168 |
| 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.
| Date | Document |
|---|---|
| Nov 21, 2025 | Deed of Trust, Mortgage · FHA Mortgage JLB CORP |
| Jan 19, 2021 | Deed of Trust, Mortgage GOLDEN OAK LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2004 · Amount on File |
| Deed Sale | Jun 25, 2004 · Amount on File |
| Deed Document Number | 0000016895 |
| Last Transfer Date | Oct 16, 2015 |
| Transfer Doc | 0000015527 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 401 WATER TOWER DR, UNION, MO 63084-1168 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0002514917 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2514917 |
| Name | JLB CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 401 WATER TOWER DR, UNION, MO 63084-1168 |
| Document Number | 0000001666 |
| Instrument Date | Jan 19, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 WATER TOWER DR UNION MO 630841168, UNION, MO 63084-1168 |
| Document Number | 0000001666 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 1666 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 26, 2036 |
The 2025 property tax bill for 401 Water Tower Dr was $1,688.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | Union City |
| Unified School District | Union R-XI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,688.00 | $32,832 | $172,800 Land $25,000 Building $147,800 |
| 2023 | $1,688.00 (-14.23%) | $28,074 | $147,760 Land $25,000 Building $122,760 |
| 2022 | $1,968.00 |
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.
FEMA maps place 401 Water Tower Dr 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 | 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 risk around 401 Water Tower Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 75% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 138 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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