103 Ladera Ln, Washington, MO 63090 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,918 sqft · built 1978
Owner	2 Individual Names on Record
Tax Bill	$2,921 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-9-32.0-4-002-005.000`

Property Details

APN / Parcel Number

Primary APN	`09-9-32.0-4-002-005.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,918 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick

Location & Zoning

Street Address	103 LADERA LN
City	WASHINGTON
State	MO
Zip	63090-5762
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT:1 EL VALLEJO 1
Legal Range	01E
Legal Township	44
Legal Section	32
Legal Quarter	SE
Legal Subdivision	EL VALLEJO
Legal Block	2
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	ST. JOHNS
Census Block Group	1
Census Block	1033
Census Tract	800104

Owner

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	103 LADERA LN, WASHINGTON, MO 63090-5762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Aug 28, 2020	Quit Claim Deed, Transfer THELENDER

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Oct 1, 2015 · Amount on Record
Last Transfer Date	Aug 28, 2020
Transfer Doc	0000014109
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	103 LADERA LN, WASHINGTON, MO 63090-5762
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002202998
Date	Feb 25, 2022
Instrument	2202998

Lender

Name	GENEVA FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 28, 2020
Property Address	103 LADERA LN, WASHINGTON, MO 63090-5762
Document Number	0000014109
Instrument Date	Aug 21, 2020
Instrument	14109
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 LADERA LN WASHINGTON MO 630905762, WASHINGTON, MO 63090-5762

Mortgage

Document Number	14110
Date	Aug 28, 2020
Instrument	14110

Lender

Name	THELENDER
Address	SAINT PETERS, MO 63376

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,921.00 (+12.22%)	$55,349 (+14.33%)	$291,310 (+14.33%) Land $45,000 Building $246,310
2023	$2,603.00 (+1.05%)	$48,410	$254,790 Land $37,000 Building $217,790
2022	$2,576.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.06% 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	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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wave Internet Technologies Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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