Franklin County property record for 406 Emma Ln, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,756 sqft · built 2002 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $480,130 (Apr 2026) |
| Tax Bill | $2,882 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-5-22.0-0-021-091.000 |
| Primary APN | 17-5-22.0-0-021-091.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,756 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Frame |
| Lot Area | 21,780 sqft (0.5 acres) |
| Shed | 1 Shed |
| Street Address | 406 EMMA LN |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-2934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:34 EAGLERIDGE ESTATES |
| Legal Range | 1W |
| Legal Township | 43N |
| Legal Section | 22 |
| Legal Subdivision | EAGLERIDGE ESTATES |
| Legal Lot Number | 34 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 800603 |
Source: Franklin County records, as of April 15, 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 Record |
|---|---|
| Mailing Address | 406 EMMA LN, UNION, MO 63084-2934 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Apr 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL |
| Jul 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF WASHINGTON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on Record |
| Deed Sale | Apr 6, 2026 · Amount on Record |
| Prior Sale | Jul 30, 2021 · Amount on Record |
| Deed Document Number | 20262604230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Apr 6, 2026 |
| Property Address | 406 EMMA LN, UNION, MO 63084-2934 |
| Document Number | 0002604230 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 20262604230 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | FREEDOM TITLE, FREEDOM TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 EMMA LN, UNION, MO 63084-2934 |
| Investor | Possibly a Property Investor |
| Document Number | 0002604231, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 20262604231 |
| Name | ENDEAVOR CAPITAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jul 30, 2021 |
| Property Address | 406 EMMA LN, UNION, MO 63084-2934 |
| Document Number | 0002114228 |
| Map Reference | PB P PG 303 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 2114228 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 EMMA LN, 406, UNION, MO 63084-2934 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 406 EMMA LN, UNION, MO 63084-2934 |
| Document Number | 0002114229 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 2114229 |
| Name | BANK OF WASHINGTON |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Franklin County assessment roll, as of November 11, 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 | $2,882.00 (+18.07%) | $48,340 (+19.08%) | $254,420 (+19.08%) Land $36,000 Building $218,420 |
| 2023 | $2,441.00 (-8.75%) | $40,594 | $213,650 Land $36,000 Building $177,650 |
| 2022 | $2,675.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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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