638 Arrowhead Ln, Union, MO 63084 Property Records

Franklin County property record for 638 Arrowhead Ln, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,435 sqft · built 2007
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$148,500 (Nov 2010)
Tax Bill	$2,304 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21-3-06.1-0-005-069.000`

Property Details

APN / Parcel Number

Primary APN	`21-3-06.1-0-005-069.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,435 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	638 ARROWHEAD LN
City	UNION
State	MO
Zip	63084-4557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT:198 ST ANDREWS PLACE 1
Legal Range	1E
Legal Township	42N
Legal Section	06
Legal Subdivision	ST ANDREWS PLACE
Legal Lot Number	198
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1070
Census Tract	800606

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	638 ARROWHEAD LN, UNION, MO 63084-4557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED BANK OF UNION
Sep 26, 2018	Deed of Trust, Mortgage · Line of Credit UNITED BK/UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2010 · Amount on Record
Deed Sale	Nov 12, 2010 · Amount on Record
Prior Sale	Sep 30, 2010
Deed Document Number	201019206
Prior Transfer Date	Sep 29, 2010
Prior Transfer Doc	0000015965
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	638 ARROWHEAD LN, UNION, MO 63084-4557
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002117280
Date	Sep 13, 2021
Instrument	2117280

Lender

Name	UNITED BANK OF UNION
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	638 ARROWHEAD LN, UNION, MO 63084-4557
Document Number	0000013602
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	638 ARROWHEAD LN UNION MO 630844557, UNION, MO 63084-4557

Mortgage

Document Number	0000013602
Date	Oct 1, 2018
Instrument	13602

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Sep 30, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$2,304.00 (+7.01%)	$38,657 (+7.95%)	$203,460 (+7.95%) Land $30,000 Building $173,460
2023	$2,153.00 (-3.37%)	$35,809	$188,470 Land $30,000 Building $158,470
2022	$2,228.00

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
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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 278 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
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100

May also be available: AT&T.

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