965 Bear Valley Rd, Union, MO 63084 Property Records

Franklin County property record for 965 Bear Valley Rd, Union, MO 63084

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,470 sqft · built 2000
Lot Size	3.2 acres (139,392 sqft)
Owner	Individual Name on File
Tax Bill	$2,023 (2025)
Deeds & Mortgages	Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-3-07.0-0-016-033.600`

Property Details

APN / Parcel Number

Primary APN	`21-3-07.0-0-016-033.600`
Alternative APN	`644723`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	139,392 sqft (3.2 acres)
Shed	1 Shed

Location & Zoning

Account Number	644723
Street Address	965 BEAR VALLEY RD
City	UNION
State	MO
Zip	63084-4336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ANU
Legal Description	LOT:7 BEAR VALLEY AM
Legal Range	01E
Legal Township	42
Legal Section	07
Legal Subdivision	BEAR VALLEY
Legal Block	16
Legal Lot Number	7
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1075
Census Tract	800606

Owner

Source: Franklin County records · APN 21-3-07.0-0-016-033.600

Assessment roll updated May 31, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	965 BEAR VALLEY RD, UNION, MO 63084-4336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 29, 2019
Deed Sale	Jul 29, 2019
Deed Document Number	1909532
Record Updated	Jun 08, 2026

July 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jul 29, 2019
Property Address	965 BEAR VALLEY RD, UNION, MO 63084-4336
Document Number	0000009532
Instrument Date	Jul 27, 2019
Instrument	9532
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 BEAR VALLEY RD UNION MO 630844336, UNION, MO 63084-4336

Mortgage

Document Number	9533
Date	Jul 29, 2019
Instrument	9533

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	Union R-XI School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,023.00 (+20.85%)	$38,327 (+21.83%)	$201,720 (+21.83%) Land $45,640 Building $156,080
2023	$1,674.00 (-9.27%)	$31,460	$165,580 Land $39,200 Building $126,380
2022	$1,845.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290718006061, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 24 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	FRANKLIN COUNTY PWSD 3 serves 8,250 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.