Franklin County property record for 405 Emma Ln, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,532 sqft · built 2000 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,347 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-5-22.0-0-021-089.000 |
| Primary APN | 17-5-22.0-0-021-089.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,532 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 21,780 sqft (0.5 acres) |
| Street Address | 405 EMMA LN |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-2900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:33 EAGLERIDGE ESTATES |
| Legal Range | 01W |
| Legal Township | 43 |
| Legal Section | 22 |
| Legal Subdivision | EAGLERIDGE ESTATES |
| Legal Block | 21 |
| Legal Lot Number | 33 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 800603 |
405 Emma Ln is owned and occupied by an individual who acquired it in October 2025.
Source: Franklin County records, as of November 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 405 EMMA LN, UNION, MO 63084-2900 |
| 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 |
|---|---|
| Oct 3, 2025 | Warranty Deed, Transfer · Line of Credit SULLIVAN BANK |
| Jul 21, 2020 | Deed of Trust, Mortgage CITIZENS BK |
| Jan 6, 2020 | Warranty Deed, Transfer CITIZENS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2025 |
| Deed Sale | Oct 3, 2025 |
| Prior Sale | Jan 6, 2020 |
| Deed Document Number | 2512603 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Oct 3, 2025 |
| Property Address | 405 EMMA LN, UNION, MO 63084-2900 |
| Document Number | 0002512603 |
| Map Reference | PB P PG 303 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 2512603 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 EMMA LN, UNION, MO 63084-2900 |
| Document Number | 0002512604 |
|---|---|
| Date | Oct 3, 2025 |
| Instrument | 2512604 |
| Name | SULLIVAN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 405 EMMA LN, UNION, MO 63084-2900 |
| Document Number | 0000012089 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 EMMA LN UNION MO 630842900, UNION, MO 63084-2900 |
| Document Number | 0000012089 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 12089 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | NEW HAVEN, MO 63068 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jan 6, 2020 |
| Property Address | 405 EMMA LN, UNION, MO 63084-2900 |
| Document Number | 0000000236 |
| Instrument Date | Jan 6, 2020 |
| Instrument | 236 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2020 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 EMMA LN UNION MO 630842900, UNION, MO 63084-2900 |
| Document Number | 237 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 237 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | NEW HAVEN, MO 63068 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 5, 2050 |
The 2025 property tax bill for 405 Emma Ln was $2,347.
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 | $2,347.00 | $39,370 | $207,210 Land $36,000 Building $171,210 |
| 2023 | $2,000.00 (-9.54%) | $33,267 | $175,090 Land $36,000 Building $139,090 |
| 2022 | $2,211.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Emma Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 4, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 405 Emma Ln is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 70% of Missouri |
|---|---|
| Wildfire Likelihood | 0.06% 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 |
| Also Mapped Here | FRANKLIN COUNTY PWSD 1 |
| 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 52 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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