Franklin County property record for 405 W State St, Union, MO 63084 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Architecture Style | A-Frame |
| Year Built | Built 1992 |
| Square Footage | 988 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $1,525.00 (2025) |
| Primary APN | 17-8-27.0-1-009-365.000 |
|---|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 988 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | A-Frame Style |
| Construction Type | Frame Construction |
| Lot Area | 8,712 sqft (0.2 acres) |
| Shed | 1 Shed |
| Patio Area | 28 sqft Patio |
| Street Address | 405 W STATE ST |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-1344 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT:9 REINHARD ESTATES |
| Legal Range | 01W |
| Legal Township | 43 |
| Legal Section | 27 |
| Legal Quarter | NE |
| Legal Subdivision | REINHARD ESTATES |
| Legal Block | 9 |
| Legal Lot Number | 9 |
| Jurisdiction | FRANKLIN MO |
| Minor Civil Division | UNION |
| Census Blockgroup | 2 |
| Census Block | 2020 |
| Census Tract | 800604 |
Source: Franklin County records · APN 17-8-27.0-1-009-365.000
Assessment roll updated May 31, 2025 · Last verified January 2026
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 | 405 W STATE ST, UNION, MO 63084-1344 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK |
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK |
| Jan 03, 2024 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS NATL BANK |
| Apr 01, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MECHANICS BANK |
| Jun 23, 2020 | Quit Claim Deed, Transfer · Line of Credit FARMERS & MERCHANTS BK/ST CLAI |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Prior Sale | Jan 04, 2012 |
| Last Transfer Date | Jun 23, 2020 |
| Transfer Doc | 0000009724 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 405 W STATE ST, UNION, MO 63084-1344 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002113518 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 2113518 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 08, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 405 W STATE ST, UNION, MO 63084-1344 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002107675 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 2107675 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 405 W STATE ST, UNION, MO 63084-1344 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002400109 |
|---|---|
| Date | Jan 03, 2024 |
| Instrument | 2400109 |
| Name | FARMERS & MERCHANTS NATL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 28, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 405 W STATE ST, UNION, MO 63084-1344 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002503555 |
|---|---|
| Date | Apr 01, 2025 |
| Instrument | 2503555 |
| Name | FARMERS & MECHANICS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 25, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jun 23, 2020 |
| Property Address | 405 W STATE ST, UNION, MO 63084-1344 |
| Document Number | 0000009724 |
| Instrument Date | Jun 18, 2020 |
| Instrument | 9724 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 405 W STATE ST UNION MO 630841344, UNION, MO 63084-1344 |
| Document Number | 9725 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 9725 |
| Name | FARMERS & MERCHANTS BK/ST CLAI |
|---|---|
| Type | Bank |
| Address | SAINT CLAIR, MO 63077 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | Union City |
| Unified School District | Union R-XI School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,525.00 (+15.53%) | $25,591 (+16.53%) | $134,690 (+16.53%) Land $13,390 Building $121,300 |
| 2023 | $1,320.00 (+1.38%) | $21,960 | $115,580 Land $13,390 Building $102,190 |
| 2022 | $1,302.00 |
405 W State St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Franklin County (29071C), updated June 4, 2020
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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