408 W State St, Union, MO 63084 Property Records

Franklin County property record for 408 W State St, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1923
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$1,254 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-4-008-077.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-4-008-077.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area

Exterior

Year Built	Built 1923
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Patio Area	312 sqft

Location & Zoning

Street Address	408 W STATE ST
City	UNION
State	MO
Zip	63084-1345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:PT3 SUDHOLTS ALT
Legal Range	01W
Legal Township	43
Legal Section	27
Legal Quarter	SE
Legal Subdivision	SUDHOLTS
Legal Block	8
Legal Lot Number	3
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2023
Census Tract	800604

Owner

Source: Franklin County records, as of November 10, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	408 W STATE ST, UNION, MO 63084-1345
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK STAR
Nov 2, 2020	Warranty Deed, Transfer · Line of Credit BANK STAR
Apr 23, 2019	Quit Claim Deed, Mortgage BANK OF SULLIVAN
Jul 6, 2018	Deed of Trust, Mortgage BANK OF SULLIVAN
Jul 6, 2018	Deed of Trust, Mortgage BANK OF SULLIVAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2025
Deed Sale	Jul 3, 2025
Prior Sale	Feb 11, 2008
Deed Document Number	2508037
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	408 W STATE ST, UNION, MO 63084-1345
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002200980
Date	Jan 19, 2022
Instrument	2200980

Lender

Name	BANK STAR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Nov 2, 2020
Property Address	408 W STATE ST, UNION, MO 63084-1345
Document Number	0000018777
Instrument Date	Oct 28, 2020
Instrument	18777
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1237 CEDAR CREEK RD CHESTERFIELD MO 630171921, CHESTERFIELD, MO 63017-1921

Mortgage

Document Number	18778
Date	Nov 2, 2020
Instrument	18778

Lender

Name	BANK STAR
Type	Bank
Address	PACIFIC, MO 63069

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 23, 2019
Property Address	408 W STATE ST, UNION, MO 63084-1345
Document Number	0000004726
Instrument Date	Apr 18, 2019
Instrument	4726
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	HANSEN FRANKLIN COMPANY LAND TITLE, HANSEN FRANKLIN CO LAND TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 W STATE ST UNION MO 630841345, UNION, MO 63084-1345

Mortgage

Document Number	4727
Date	Apr 23, 2019
Instrument	4727

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	408 W STATE ST, UNION, MO 63084-1345
Document Number	0000009514
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1295 SALEM MO 655605195, SALEM, MO 65560-5195

Mortgage

Document Number	0000009514
Date	Jul 10, 2018
Instrument	9514

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	408 W STATE ST, UNION, MO 63084-1345
Document Number	0000009757
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1295 SALEM MO 655605195, SALEM, MO 65560-5195

Mortgage

Document Number	0000009757
Date	Jul 13, 2018
Instrument	9757

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	Union City
Unified School District	Union R-XI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,254.00 (+14.21%)	$21,042 (+15.2%)	$110,750 (+15.2%) Land $16,160 Building $94,590
2023	$1,098.00 (+5.27%)	$18,266	$96,140 Land $16,160 Building $79,980
2022	$1,043.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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