Franklin County property record for 946 Bear Valley Rd, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,845 sqft · built 2014 |
| Lot Size | 2.7 acres (117,612 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,339 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-3-07.0-0-016-033.300 |
| Primary APN | 21-3-07.0-0-016-033.300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,845 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Construction Type | Frame |
| Lot Area | 117,612 sqft (2.7 acres) |
| Street Address | 946 BEAR VALLEY RD |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-4339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ANU |
| Legal Description | LOT:5 BEAR VALLEY AM |
| Legal Range | 01E |
| Legal Township | 42 |
| Legal Section | 07 |
| Legal Subdivision | BEAR VALLEY |
| Legal Block | 16 |
| Legal Lot Number | 5 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 800606 |
946 Bear Valley Rd is owned and occupied by two individuals who acquired it in November 2014.
Source: Franklin County records, as of November 10, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 946 BEAR VALLEY RD, UNION, MO 63084-4339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2014 |
| Deed Sale | Nov 13, 2014 |
| Prior Sale | Jan 24, 2013 |
| Deed Document Number | 1415160 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 946 BEAR VALLEY RD, UNION, MO 63084-4339 |
| Document Number | 0000015979 |
| Instrument Date | Sep 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 946 BEAR VALLEY RD UNION MO 630844339, UNION, MO 63084-4339 |
| Document Number | 0000015979 |
|---|---|
| Date | Sep 23, 2020 |
| Instrument | 15979 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Sep 22, 2035 |
The 2025 property tax bill for 946 Bear Valley Rd was $2,339.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Union R-XI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,339.00 | $44,303 | $233,170 Land $39,040 Building $194,130 |
| 2023 | $2,021.00 (-9.13%) | $37,962 | $199,800 Land $23,020 Building $176,780 |
| 2022 | $2,224.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 946 Bear Valley Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2023.
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 risk around 946 Bear Valley Rd is low, with a 0.04% annual chance of 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 69% of Missouri |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 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 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
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