618 W Main St, Union, MO 63084 Property Records

Franklin County property record for 618 W Main St, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,139 sqft · built 1947
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Tax Bill	$1,602 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-3-002-118.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-3-002-118.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,139 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	34,848 sqft (0.8 acres)
Patio Area	384 sqft

Location & Zoning

Street Address	618 W MAIN ST
City	UNION
State	MO
Zip	63084-1014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:100 CLARKS
Legal Range	01W
Legal Township	43
Legal Section	27
Legal Quarter	SW
Legal Subdivision	CLARKS
Legal Block	2
Legal Lot Number	100
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2027
Census Tract	800604

Owner

618 W Main St is owned and occupied by an individual who acquired it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	618 W MAIN ST, UNION, MO 63084-1014
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
May 6, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF WASHINGTON
May 24, 2018	Deed of Trust, Mortgage HERITAGE CMNTY BK
Jun 16, 2017	Warranty Deed, Construction Loan · Line of Credit HERITAGE CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2022
Deed Sale	May 6, 2022
Deed Document Number	2207340
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 6, 2022
Property Address	618 W MAIN ST, UNION, MO 63084-1014
Document Number	0002207340
Map Reference	PB D PG58
Instrument Date	May 5, 2022
Instrument	2207340
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	618 W MAIN ST, UNION, MO 63084-1014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 W MAIN ST, UNION, MO 63084-1014

Mortgage

Document Number	0002207341
Date	May 6, 2022
Instrument	2207341

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	618 W MAIN ST, UNION, MO 63084-1014
Document Number	0000007399
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	618 W MAIN ST UNION MO 630841014, UNION, MO 63084-1014

Mortgage

Document Number	0000007399
Date	May 31, 2018
Instrument	7399

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 30, 2048

June 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jun 16, 2017
Property Address	618 W MAIN ST, UNION, MO 63084-1014
Document Number	0000008959
Instrument Date	Jun 14, 2017
Instrument	8959
Transaction Type	Construction Loan
Record Updated	Aug 21, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	618 W MAIN ST UNION MO 630841014, UNION, MO 63084-1014

Mortgage

Document Number	8960
Date	Jun 16, 2017
Instrument	8960

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jun 15, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 618 W Main St was $1,602.

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	$1,602.00	$26,872	$141,430 Land $32,500 Building $108,930
2023	$1,460.00 (+10.19%)	$24,293	$127,860 Land $32,500 Building $95,360
2022	$1,325.00

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

Flood

FEMA maps place 618 W Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

Wildfire risk around 618 W Main St is low, with a 0.01% annual chance of 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	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	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 425 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
Wave Internet Technologies Fixed Wireless	100 / 100
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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