103 Carmel Ln, Washington, MO 63090 Property Records

Franklin County property record for 103 Carmel Ln, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,610 sqft · built 2018
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,637 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-16.0-0-019-068.400`

Property Details

APN / Parcel Number

Primary APN	`10-5-16.0-0-019-068.400`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,610 sqft Living Area

Exterior

Year Built	Built 2018
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	103 CARMEL LN
City	WASHINGTON
State	MO
Zip	63090-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:11 MOUNT CARMEL ESTATES
Legal Range	01W
Legal Township	44
Legal Section	16
Legal Subdivision	MOUNT CARMEL ESTATES
Legal Lot Number	11
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2011
Census Tract	800301

Owner

103 Carmel Ln is owned and occupied by two individuals who acquired it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	103 CARMEL LN, WASHINGTON, MO 63090-1226
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Jun 25, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUILD MTG
May 19, 2017	Trustee's Deed, Construction Loan · Line of Credit UNITED BK/UNION
Apr 21, 2017	Warranty Deed, Construction Loan · Line of Credit UNITED BK/UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019
Deed Sale	Jun 25, 2019
Deed Document Number	1907883
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	103 CARMEL LN, WASHINGTON, MO 63090-1226
Document Number	0000004132
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 CARMEL LN WASHINGTON MO 630901226, WASHINGTON, MO 63090-1226

Mortgage

Document Number	0000004132
Date	Mar 19, 2020
Instrument	4132

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jun 25, 2019
Property Address	103 CARMEL LN, WASHINGTON, MO 63090-1226
Document Number	0000007883
Instrument Date	Jun 21, 2019
Instrument	7883
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 11, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

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	103 CARMEL LN WASHINGTON MO 630901226, WASHINGTON, MO 63090-1226

Mortgage

Document Number	7884
Date	Jun 25, 2019
Instrument	7884

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 19, 2017
Property Address	103 CARMEL LN, WASHINGTON, MO 63090-1226
Instrument Date	May 15, 2017
Instrument	7537
Transaction Type	Construction Loan
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21 WASHINGTON MO 630900021, WASHINGTON, MO 63090-0021
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007537
Date	May 19, 2017
Instrument	7537

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 18, 2018

Interest

Rate Type	Adjustable Rate

April 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 21, 2017
Property Address	103 CARMEL LN, WASHINGTON, MO 63090-1226
Document Number	0000005788
Instrument Date	Apr 20, 2017
Instrument	5788
Transaction Type	Construction Loan
Record Updated	Apr 25, 2017
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 21 WASHINGTON MO 630900021, WASHINGTON, MO 63090-0021
Investor	Possibly a Property Investor

Mortgage

Document Number	5789
Date	Apr 21, 2017
Instrument	5789

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 20, 2018

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	5790,
Date	Apr 21, 2017
Instrument	5790

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 20, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 103 Carmel Ln was $2,637.

Source: Franklin County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	Washington City
Unified School District	Washington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,637.00	$47,327	$249,090 Land $36,000 Building $213,090
2023	$2,622.00 (-2.27%)	$46,195	$243,130 Land $36,000 Building $207,130
2022	$2,683.00

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

Flood

FEMA maps place 103 Carmel Ln in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 103 Carmel Ln is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.02% 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 30 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

May also be available: AT&T.

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