724 River Trails Rd, Union, MO 63084 Property Records

Franklin County property record for 724 River Trails Rd, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,647 sqft · built 2001
Lot Size	16.8 acres (731,808 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Dec 2017)
Tax Bill	$2,376 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-4-19.2-0-003-001.000`

Property Details

APN / Parcel Number

Primary APN	`22-4-19.2-0-003-001.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,647 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame
Lot Area	731,808 sqft (16.8 acres)
Patio Area	526 sqft
Lean-To	520 sqft
Utility Building	1,200 sqft

Location & Zoning

Street Address	724 RIVER TRAILS RD
City	UNION
State	MO
Zip	63084-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:6 RIVER TRAILS
Legal Range	1W
Legal Township	42N
Legal Section	19
Legal Subdivision	RIVER TRAILS
Legal Lot Number	6
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2027
Census Tract	800501

Owner

Source: Franklin County records, as of August 17, 2026

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	724 RIVER TRAILS RD, UNION, MO 63084-3724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage CITIZENS NAT'L BK/GREATER ST L
Dec 28, 2017	Warranty Deed, Transfer CITIZENS NAT'L BK/GREATER ST L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2017 · Amount on Record
Deed Sale	Dec 28, 2017 · Amount on Record
Prior Sale	Apr 8, 2011 · Amount on Record
Deed Document Number	201719496
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	724 RIVER TRAILS RD, UNION, MO 63084-3724
Document Number	0000006639
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	724 RIVER TRAILS RD UNION MO 630843724, UNION, MO 63084-3724

Mortgage

Document Number	0000006639
Date	May 11, 2020
Instrument	6639

Lender

Name	CITIZENS NAT'L BK/GREATER ST L
Type	Bank
Address	7305 MANCHESTER RD, ST LOUIS, MO 63143-3120

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 28, 2017
Property Address	724 RIVER TRAILS RD, UNION, MO 63084-3724
Document Number	0000019496
Instrument Date	Dec 21, 2017
Instrument	19496
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	SELECT TITLE GROUP

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	724 RIVER TRAILS RD UNION MO 630843724, UNION, MO 63084-3724

Mortgage

Document Number	19497
Date	Dec 28, 2017
Instrument	19497

Lender

Name	CITIZENS NAT'L BK/GREATER ST L
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2047

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	$2,376.00 (+2.95%)	$45,007 (+3.78%)	$237,680 (-1.5%) Land $15,180 Building $222,500
2023	$2,308.00 (-8.3%)	$43,367	$241,310 Land $57,460 Building $183,850
2022	$2,517.00

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	1 in force
Nearby Flood Claims	1 (2015)
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.05% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wave Internet Technologies Fixed Wireless	100 / 100
Wisper ISP Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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