635 Second Creek Rd, Union, MO 63084 Property Records

Franklin County property record for 635 Second Creek Rd, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,617 sqft · built 2006
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,350 (Jun 2025)
Tax Bill	$3,317 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-28.0-0-023-029.900`

Property Details

APN / Parcel Number

Primary APN	`17-8-28.0-0-023-029.900`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,617 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	635 SECOND CREEK RD
City	UNION
State	MO
Zip	63084-2887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1 SECOND CREEK CROSSING
Legal Range	1W
Legal Township	43N
Legal Section	28
Legal Subdivision	SECOND CREEK CROSSING
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1002
Census Tract	800605

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	635 SECOND CREEK RD UNION MO, MO
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Line of Credit UNITED BANK OF UNION
May 18, 2020	Deed of Trust, Mortgage UNITED BK/UNION
Oct 5, 2018	Warranty Deed, Transfer GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on Record
Deed Sale	Jun 2, 2025 · Amount on Record
Prior Sale	Oct 5, 2018 · Amount on Record
Deed Document Number	2025485
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	635 SECOND CREEK RD, UNION, MO 63084-2887
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002216873
Date	Nov 4, 2022
Instrument	2216873

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	635 SECOND CREEK RD, UNION, MO 63084-2887
Document Number	0000007898
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 SECOND CREEK RD UNION MO 630842887, UNION, MO 63084-2887

Mortgage

Document Number	0000007898
Date	May 29, 2020
Instrument	7898

Lender

Name	UNITED BK/UNION
Type	Bank
Address	UNION, MO 63084

Agreement

Amount	Amount Recorded
Term	240 Months
Due	May 28, 2040

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 5, 2018
Property Address	635 SECOND CREEK RD, UNION, MO 63084-2887
Document Number	0000013910
Instrument Date	Oct 2, 2018
Instrument	13910
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	635 SECOND CREEK RD UNION MO 630842887, UNION, MO 63084-2887

Mortgage

Document Number	13911
Date	Oct 5, 2018
Instrument	13911

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Tax Assessment & Valuation

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	$3,317.00 (+15.41%)	$62,818 (+16.34%)	$330,620 (+16.34%) Land $67,000 Building $263,620
2023	$2,874.00 (-7.02%)	$53,994	$284,180 Land $57,000 Building $227,180
2022	$3,091.00

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

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Bays-ET Highspeed, BlueBit Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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