620 W State St, Union, MO 63084 Property Records

Franklin County property record for 620 W State St, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,425 sqft · built 1953
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$1,582 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-3-001-001.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-3-001-001.000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,425 sqft Living Area

Exterior

Year Built	Built 1953
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Patio Area	380 sqft

Location & Zoning

Street Address	620 W STATE ST
City	UNION
State	MO
Zip	63084-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1 IDA CLARKS ALT
Legal Range	01W
Legal Township	43
Legal Section	27
Legal Quarter	SW
Legal Subdivision	IDA CLARKS
Legal Block	1
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2031
Census Tract	800604

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	620 W STATE ST, UNION, MO 63084-1027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2025	Warranty Deed, Transfer · Conventional Mortgage BANK OF WASHINGTON
Oct 17, 2022	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC
Mar 27, 2019	Warranty Deed, Transfer UNITED WHOLESALE MTG
Nov 10, 2018	Deed of Trust, Mortgage BANK OF SULLIVAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2025
Deed Sale	Jan 27, 2025
Prior Sale	Mar 11, 2013 · Amount on Record
Deed Document Number	2500918
Record Updated	Jun 8, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 27, 2025
Property Address	620 W STATE ST, UNION, MO 63084-1027
Document Number	0002500918
Instrument Date	Jan 24, 2025
Instrument	2500918
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 W STATE ST, UNION, MO 63084-1027

Mortgage

Document Number	0002500919
Date	Jan 27, 2025
Instrument	2500919

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 17, 2022
Property Address	620 W STATE ST, UNION, MO 63084-1027
Document Number	0002215823
Instrument Date	Oct 14, 2022
Instrument	2215823
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 W STATE ST, UNION, MO 63084-1027

Mortgage

Document Number	0002215824
Date	Oct 17, 2022
Instrument	2215824

Lender

Name	FLAT BRANCH MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 27, 2019
Property Address	620 W STATE ST, UNION, MO 63084-1027
Document Number	0000003554
Instrument Date	Mar 27, 2019
Instrument	3554
Transaction Type	Transfer
Record Updated	Apr 22, 2019
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
Address	620 W STATE ST UNION MO 630841027, UNION, MO 63084-1027

Mortgage

Document Number	3555
Date	Mar 27, 2019
Instrument	3555

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	620 W STATE ST, UNION, MO 63084-1027
Document Number	0000015895
Instrument Date	Nov 10, 2018
Transaction Type	Mortgage
Record Updated	Dec 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	620 W STATE ST UNION MO 630841027, UNION, MO 63084-1027

Mortgage

Document Number	0000015895
Date	Nov 19, 2018
Instrument	15895

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Amount	Amount Recorded

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	$1,582.00 (+6.03%)	$26,536 (+6.95%)	$139,660 (+6.95%) Land $18,020 Building $121,640
2023	$1,492.00 (+15.66%)	$24,812	$130,590 Land $18,020 Building $112,570
2022	$1,290.00

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
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 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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