645 Arrowhead Ln, Union, MO 63084 Property Records

Franklin County property record for 645 Arrowhead Ln, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,625 sqft · built 2001
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,500 (May 2020)
Tax Bill	$2,600 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-3-06.1-0-005-061.000`

Property Details

APN / Parcel Number

Primary APN	`21-3-06.1-0-005-061.000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,625 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Patio Area	350 sqft

Location & Zoning

Street Address	645 ARROWHEAD LN
City	UNION
State	MO
Zip	63084-4476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT:186 ST ANDREWS PLACE 1
Legal Range	1E
Legal Township	42N
Legal Section	06
Legal Subdivision	ST ANDREWS PLACE
Legal Lot Number	186
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	1
Census Block	1064
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	645 ARROWHEAD LN, UNION, MO 63084-4476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Deed Document Number	20206177
Prior Transfer Date	Sep 29, 2005
Prior Transfer Doc	0000024068
Record Updated	Sep 20, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 1, 2020
Property Address	645 ARROWHEAD LN, UNION, MO 63084-4476
Document Number	0000006177
Instrument Date	Apr 30, 2020
Instrument	6177
Transaction Type	Transfer
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

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	645 ARROWHEAD LN UNION MO 630844476, UNION, MO 63084-4476

Mortgage

Document Number	6178
Date	May 1, 2020
Instrument	6178

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

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	$2,600.00 (+19.87%)	$43,613 (+20.88%)	$229,540 (+20.88%) Land $30,000 Building $199,540
2023	$2,169.00 (-9.85%)	$36,079	$189,890 Land $30,000 Building $159,890
2022	$2,406.00

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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