820 W Main St, Union, MO 63084 Property Records

Franklin County property record for 820 W Main St, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,452 sqft · built 1948
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on Record
Tax Bill	$1,969 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-8-27.0-3-002-108.000`

Property Details

APN / Parcel Number

Primary APN	`17-8-27.0-3-002-108.000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	39,204 sqft (0.9 acres)

Location & Zoning

Street Address	820 W MAIN ST
City	UNION
State	MO
Zip	63084-1018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:92 CLARKS
Legal Range	01W
Legal Township	43
Legal Section	27
Legal Quarter	SW
Legal Subdivision	CLARKS
Legal Block	2
Legal Lot Number	92
Jurisdiction	FRANKLIN MO
Township / Civil Division	UNION
Census Block Group	2
Census Block	2027
Census Tract	800604

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	820 W MAIN ST, UNION, MO 63084-1018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Warranty Deed, Transfer · Seller Carry-Back JOHN W RATCLIFF
Apr 22, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Mar 8, 2017	Warranty Deed, Transfer REGIONS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021
Deed Sale	Dec 6, 2021
Prior Sale	Apr 22, 2021
Deed Document Number	2122694
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 6, 2021
Property Address	820 W MAIN ST, UNION, MO 63084-1018
Document Number	0002122694
Map Reference	PB D PG58
Instrument Date	Nov 30, 2021
Instrument	2122694
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	449 OXFORD LN, WOODLAND PARK, CO 80863-9464

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	802 W MAIN ST, UNION, MO 63084-1018

Mortgage

Document Number	0002122695
Date	Dec 6, 2021
Instrument	2122695

Lender

Name	JOHN W RATCLIFF
Type	Seller
Address	449 OXFORD LN, WOODLAND PARK, CO 80863

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2041

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 22, 2021
Property Address	820 W MAIN ST, UNION, MO 63084-1018
Document Number	0002107521
Map Reference	PB D PG 58
Instrument Date	Apr 19, 2021
Instrument	2107521
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 W MAIN ST, UNION, MO 63084-1018

Mortgage

Document Number	0002107523
Date	Apr 22, 2021
Instrument	2107523

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 8, 2017
Property Address	820 W MAIN ST, UNION, MO 63084-1018
Document Number	0000003381
Instrument Date	Mar 6, 2017
Instrument	3381
Transaction Type	Transfer
Record Updated	Mar 13, 2017
Title Company	FRANKLIN COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 W MAIN ST UNION MO 630841018, UNION, MO 63084-1018

Mortgage

Document Number	3382
Date	Mar 8, 2017
Instrument	3382

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2047

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	$1,969.00 (+10.74%)	$33,030 (+11.68%)	$173,840 (+11.68%) Land $31,620 Building $142,220
2023	$1,778.00 (+7.63%)	$29,576	$155,660 Land $31,620 Building $124,040
2022	$1,652.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Direct burnable vegetation

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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