45 Vemmer Dr, Union, MO 63084 Property Records

Franklin County property record for 45 Vemmer Dr, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,280 sqft · built 1980
Lot Size	3.2 acres (139,392 sqft)
Owner	Individual Name on File
Last Sale	$183,800 (Nov 2019)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-9-31.1-0-002-025.000`

Property Details

APN / Parcel Number

Primary APN	`18-9-31.1-0-002-025.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	139,392 sqft (3.2 acres)
Patio Area	500 sqft
Shed	1 Shed

Location & Zoning

Street Address	45 VEMMER DR
City	UNION
State	MO
Zip	63084-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT:25 STABLESTONE ESTATES
Legal Range	1E
Legal Township	43N
Legal Section	31
Legal Subdivision	STABLESTONE ESTATES
Legal Lot Number	25
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1042
Census Tract	800606

Owner

45 Vemmer Dr is owned and occupied by an individual who acquired it in September 2021.

Source: Franklin County records, as of November 11, 2025

Owner of Record	Individual Name on File
Mailing Address	45 VEMMER DR, UNION, MO 63084-4427
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LEGENDS BANK
Nov 25, 2019	Deed of Trust, Mortgage · Line of Credit LEGENDS BK
Nov 18, 2019	Warranty Deed, Transfer LEGENDS BK
Nov 15, 2019	Deed of Trust, Mortgage LEGENDS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2019 · Amount on File
Deed Sale	Nov 18, 2019 · Amount on File
Prior Sale	Jul 2, 2014
Deed Document Number	201915856
Last Transfer Date	Sep 27, 2021
Transfer Doc	0000018846
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN MO
Recording Date	Oct 5, 2021
Property Address	45 VEMMER DR, UNION, MO 63084-4427
Document Number	0002118846
Map Reference	PB M PG 447
Instrument Date	Sep 27, 2021
Instrument	2118846
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 VEMMER DR, UNION, MO 63084-4427

Mortgage

Document Number	0002118847
Date	Oct 5, 2021
Instrument	2118847

Lender

Name	LEGENDS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	45 VEMMER DR, UNION, MO 63084-4427
Document Number	0000016910
Instrument Date	Nov 25, 2019
Transaction Type	Mortgage
Record Updated	Dec 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 VEMMER DR UNION MO 630844427, UNION, MO 63084-4427

Mortgage

Document Number	0000016910
Date	Dec 9, 2019
Instrument	16910

Lender

Name	LEGENDS BK
Type	Bank
Address	LINN, MO 65051

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 8, 2039

Interest

Rate Type	Adjustable Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Nov 18, 2019
Property Address	45 VEMMER DR, UNION, MO 63084-4427
Document Number	0000015856
Instrument Date	Nov 15, 2019
Instrument	15856
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	FRANKLIN COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 VEMMER DR UNION MO 630844427, UNION, MO 63084-4427

Mortgage

Document Number	15857
Date	Nov 18, 2019
Instrument	15857

Lender

Name	LEGENDS BK
Type	Bank
Address	LINN, MO 65051

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	45 VEMMER DR, UNION, MO 63084-4427
Document Number	0000015857
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 N CHRISTINA AVE UNION MO 630841106, UNION, MO 63084-1106

Mortgage

Document Number	0000015857
Date	Nov 18, 2019
Instrument	15857

Lender

Name	LEGENDS BK
Type	Bank
Address	LINN, MO 65051

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 45 Vemmer Dr was $2,390.

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,390.00	$45,277	$238,300 Land $55,000 Building $183,300
2023	$2,133.00 (+3.29%)	$40,071	$210,900 Land $45,400 Building $165,500
2022	$2,065.00

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.

Flood

FEMA maps place 45 Vemmer Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2023.

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	4 in force
Nearby Flood Claims	2 (2023–2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2025 · other causes

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

Wildfire risk around 45 Vemmer Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: Verizon.

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