Franklin County property record for 413 Water Tower Dr, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,326 sqft · built 2002 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $246,100 (Sep 2021) |
| Tax Bill | $2,010 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-5-22.0-4-025-053.270 |
| Primary APN | 17-5-22.0-4-025-053.270 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,326 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Patio Area | 81 sqft |
| Street Address | 413 WATER TOWER DR |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-1168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:10 PARK HILL ESTATES 3 |
| Legal Range | 1W |
| Legal Township | 43N |
| Legal Section | 22 |
| Legal Subdivision | PARK HILL ESTATES |
| Legal Lot Number | 10 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 800603 |
Source: Franklin County records, as of October 2, 2026
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 413 WATER TOWER DR, UNION, MO 63084-1168 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| May 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Nov 26, 2018 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MTG |
| Sep 25, 2017 | Warranty Deed, Transfer · VA Mortgage BUSEY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2021 · Amount on Record |
| Deed Sale | Sep 27, 2021 · Amount on Record |
| Prior Sale | Nov 26, 2018 · Amount on Record |
| Deed Document Number | 202118233 |
| Prior Transfer Date | Jun 20, 2011 |
| Prior Transfer Doc | 0000009340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Sep 27, 2021 |
| Property Address | 413 WATER TOWER DR, UNION, MO 63084-1168 |
| Document Number | 0002118233 |
| Map Reference | PB P PG 1501 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 2118233 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 413 WATER TOWER DR, UNION, MO 63084-1168 |
| Document Number | 0002118234 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2118234 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 413 WATER TOWER DR, UNION, MO 63084-1168 |
| Document Number | 0000007442 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 WATER TOWER DR UNION MO 630841168, UNION, MO 63084-1168 |
| Document Number | 0000007442 |
|---|---|
| Date | May 21, 2020 |
| Instrument | 7442 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Nov 26, 2018 |
| Property Address | 413 WATER TOWER DR, UNION, MO 63084-1168 |
| Document Number | 0000016115 |
| Instrument Date | Nov 15, 2018 |
| Instrument | 16115 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2018 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 WATER TOWER DR UNION MO 630841168, UNION, MO 63084-1168 |
| Document Number | 16116 |
|---|---|
| Date | Nov 26, 2018 |
| Instrument | 16116 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Sep 25, 2017 |
| Property Address | 413 WATER TOWER DR, UNION, MO 63084-1168 |
| Document Number | 0000014596 |
| Instrument Date | Sep 22, 2017 |
| Instrument | 14596 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 WATER TOWER DR UNION MO 630841168, UNION, MO 63084-1168 |
| Document Number | 14598 |
|---|---|
| Date | Sep 25, 2017 |
| Instrument | 14598 |
| Name | BUSEY BK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2047 |
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 | $2,010.00 (+18.37%) | $33,712 (+19.33%) | $177,430 (+19.33%) Land $25,000 Building $152,430 |
| 2023 | $1,698.00 (-10.58%) | $28,251 | $148,690 Land $25,000 Building $123,690 |
| 2022 | $1,899.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 78% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond 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 138 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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