Franklin County property record for 982 College Rd, Union, MO 63084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,856 sqft · built 2000 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,838 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-1-01.0-0-008-028.300 |
| Primary APN | 22-1-01.0-0-008-028.300 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,856 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Other |
| Construction Type | Frame |
| Lot Area | 43,560 sqft (1 acres) |
| Shed | 1 Shed |
| Street Address | 982 COLLEGE RD |
|---|---|
| City | UNION |
| State | MO |
| Zip | 63084-2435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SD |
| Legal Description | LOT:2 COLLEGE ROAD ESTATES |
| Legal Range | 01W |
| Legal Township | 42 |
| Legal Section | 01 |
| Legal Subdivision | COLLEGE ROAD ESTATES |
| Legal Block | 8 |
| Legal Lot Number | 2 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 800606 |
Source: Franklin County records, as of November 10, 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 | 982 COLLEGE RD, UNION, MO 63084-2435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| May 4, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED FIDELITY FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 11, 2005 |
| Deed Sale | Nov 11, 2005 |
| Deed Document Number | 2005-30397 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 982 COLLEGE RD, UNION, MO 63084-2435 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002102052 |
|---|---|
| Date | Feb 2, 2021 |
| Instrument | 2102052 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 982 COLLEGE RD, UNION, MO 63084-2435 |
| Document Number | 0000005440 |
| Instrument Date | May 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 982 COLLEGE RD UNION MO 630842435, UNION, MO 63084-2435 |
| Document Number | 0000005440 |
|---|---|
| Date | May 9, 2019 |
| Instrument | 5440 |
| Name | UNITED FIDELITY FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | KANSAS CITY, MO 64150 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2049 |
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 | $1,838.00 (+1.04%) | $43,457 (+27.18%) | $228,720 (+27.18%) Land $19,000 Building $209,720 |
| 2023 | $1,819.00 (-12%) | $34,170 | $179,840 Land $10,700 Building $169,140 |
| 2022 | $2,067.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2015 · river or lake 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 22 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 |
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