Franklin County property record for 405 Gruber Ave, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,296 sqft · built 1960 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,309 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-8-27.0-3-012-232.000 |
| Primary APN | 17-8-27.0-3-012-232.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Patio Area | 28 sqft |
| Street Address | 405 GRUBER AVE |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:PT3&PT4 HALL BROTHERS |
| Legal Range | 01W |
| Legal Township | 43 |
| Legal Section | 27 |
| Legal Quarter | SW |
| Legal Subdivision | HALL BROTHERS |
| Legal Block | 12 |
| Legal Lot Number | 3 4 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 2 |
| Census Block | 2084 |
| Census Tract | 800604 |
405 Gruber Ave is owned and occupied by two individuals who acquired it in November 2002.
Source: Franklin County records, as of November 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 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.
| Date | Document |
|---|---|
| May 15, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Jan 22, 2018 | Deed of Trust, Mortgage CARRINGTON MTG SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2002 |
| Deed Sale | Nov 27, 2002 |
| Deed Document Number | 1488-00769 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 405 GRUBER AVE, UNION, MO 63084-1901 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2023 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0002305496 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 2305496 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 405 GRUBER AVE, UNION, MO 63084-1901 |
| Document Number | 0000001221 |
| Instrument Date | Jan 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 GRUBER AVE UNION MO 630841901, UNION, MO 63084-1901 |
| Document Number | 0000001221 |
|---|---|
| Date | Jan 30, 2018 |
| Instrument | 1221 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jan 29, 2038 |
The 2025 property tax bill for 405 Gruber Ave was $1,309.
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 | $1,309.00 | $21,968 | $115,620 Land $18,930 Building $96,690 |
| 2023 | $1,225.00 (+5.15%) | $20,374 | $107,230 Land $18,930 Building $88,300 |
| 2022 | $1,165.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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 risk around 405 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.
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 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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