Franklin County property record for 428 Water Tower Dr, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,104 sqft · built 2003 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,819 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-5-22.0-4-025-053.430 |
| Primary APN | 17-5-22.0-4-025-053.430 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Street Address | 428 WATER TOWER DR |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-1172 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:24 PARK HILL ESTATES 3 |
| Legal Range | 01W |
| Legal Township | 43 |
| Legal Section | 22 |
| Legal Quarter | SE |
| Legal Subdivision | PARK HILL ESTATES |
| Legal Block | 25 |
| Legal Lot Number | 24 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | UNION |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 800603 |
428 Water Tower Dr is owned and occupied by two individuals who acquired it in January 2020.
Source: Franklin County records, as of November 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 WATER TOWER DR, UNION, MO 63084-1172 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2020 |
| Deed Sale | Jan 17, 2020 |
| Prior Sale | May 1, 2015 · Amount on File |
| Deed Document Number | 2000841 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jan 17, 2020 |
| Property Address | 428 WATER TOWER DR, UNION, MO 63084-1172 |
| Document Number | 0000000841 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 841 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 428 WATER TOWER DR UNION MO 630841172, UNION, MO 63084-1172 |
| Document Number | 842 |
|---|---|
| Date | Jan 17, 2020 |
| Instrument | 842 |
| Name | HERITAGE CMNTY BK |
|---|---|
| Type | Bank |
| Address | WASHINGTON, MO 63090 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 16, 2050 |
The 2025 property tax bill for 428 Water Tower Dr was $1,819.
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 | $1,819.00 | $30,512 | $160,590 Land $25,000 Building $135,590 |
| 2023 | $1,542.00 (-3.2%) | $25,656 | $135,030 Land $25,000 Building $110,030 |
| 2022 | $1,593.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Water Tower Dr 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 | 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.
Wildfire risk around 428 Water Tower Dr is low, with a 0.03% annual chance of wildfire.
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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