12 W Front St, Washington, MO 63090 Property Records

Franklin County property record for 12 W Front St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 2,854 sqft · built 2017
Lot Size	0.039 acres (1,742 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,671 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2023 Line of Credit + 9 more
Flood Zone	Zone AE (high risk)
APN	`10-5-22.0-1-077-040.500`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-1-077-040.500`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,854 sqft Living Area

Exterior

Year Built	Built 2017
Exterior Material	Brick
Construction Type	Brick
Lot Area	1,742 sqft

Location & Zoning

Street Address	12 W FRONT ST
City	WASHINGTON
State	MO
Zip	63090-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 FRONT STREET DEVELOPMENT PLAT IV
Legal Range	01W
Legal Township	44
Legal Section	22
Legal Subdivision	FRONT STREET DEVELOPMENT
Legal Lot Number	6
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3039
Census Tract	800302

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Washington Historic District listed 1989 · 92 contributing resources · NRIS 89001465

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

12 W Front St is owned and occupied by two individuals who acquired it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
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
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF WASHINGTON
Apr 12, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF WASHINGTON
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Sep 11, 2023	Warranty Deed, Transfer
Jun 5, 2023	Transfer on Death Deed, Transfer
May 3, 2023	Warranty Deed, Transfer
Mar 27, 2020	Deed of Trust, Mortgage BANK OF WA
Aug 28, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF WA
Aug 27, 2019	Deed of Trust, Mortgage BANK OF WA
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF WA
Nov 14, 2018	Warranty Deed, Subdivision Related Transfer BANK OF WA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023
Deed Sale	Sep 11, 2023
Prior Sale	May 3, 2023
Deed Document Number	2310709
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002513900
Date	Oct 31, 2025
Instrument	2513900

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 27, 2035

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002304196
Date	Apr 12, 2023
Instrument	2304196

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 7, 2033

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002119516
Date	Oct 14, 2021
Instrument	2119516

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 11, 2023
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0002310709
Map Reference	DOC 1805770
Instrument Date	Sep 11, 2023
Instrument	2310709
Transaction Type	Transfer
Record Updated	Oct 4, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1926 UPPER LOPEZ CANYON RD, ARROYO GRANDE, CA 93420-4996

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	97 E MAIN ST, WASHINGTON, MO 63090-2519

June 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jun 5, 2023
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0002306389
Map Reference	DOC 1805770
Instrument Date	May 31, 2023
Instrument	2306389
Transaction Type	Transfer
Record Updated	Oct 4, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 HORN ST, WASHINGTON, MO 63090-2211

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 3, 2023
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0002305118
Map Reference	DOC 1805770
Instrument Date	Apr 28, 2023
Instrument	2305118
Transaction Type	Transfer
Record Updated	Oct 4, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 HORN ST, WASHINGTON, MO 63090-2211

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0000004829
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 W FRONT ST WASHINGTON MO 630902101, WASHINGTON, MO 63090-2101

Mortgage

Document Number	0000004829
Date	Apr 7, 2020
Instrument	4829

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount on Record
Term	240 Months
Due	Apr 6, 2040

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0000012946
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12 W FRONT ST WASHINGTON MO 630902101, WASHINGTON, MO 63090-2101

Mortgage

Document Number	0000012946
Date	Sep 26, 2019
Instrument	12946

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 25, 2039

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0000012017
Instrument Date	Aug 27, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	HILLSBORO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12 W FRONT ST WASHINGTON MO 630902101, WASHINGTON, MO 63090-2101

Mortgage

Document Number	0000012017
Date	Sep 10, 2019
Instrument	12017

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 9, 2039

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0000008543
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12 W FRONT ST WASHINGTON MO 630902101, WASHINGTON, MO 63090-2101

Mortgage

Document Number	0000008543
Date	Jul 10, 2019
Instrument	8543

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 9, 2039

Interest

Rate Type	Adjustable Rate

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Nov 14, 2018
Property Address	12 W FRONT ST, WASHINGTON, MO 63090-2101
Document Number	0000015743
Instrument Date	Nov 9, 2018
Instrument	15743
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 31, 2018

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	12 W FRONT ST WASHINGTON MO 630902101, WASHINGTON, MO 63090-2101

Mortgage

Document Number	15744
Date	Nov 14, 2018
Instrument	15744

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12 W Front St was $4,671.

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	$4,671.00	$83,760	$440,840 Land $26,140 Building $414,700
2023	$4,369.00 (-8.35%)	$76,977 (-8.25%)	$405,140 Land $26,140 Building $379,000
2022	$4,767.00	$83,897
2021			$441,560 Land $26,140 Building $415,420

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

Flood

FEMA maps place 12 W Front St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2015)
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And 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.

Wildfire

The area around 12 W Front St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	WASHINGTON PWS serves 14,068 people · EPA ID MO6010838
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected Jul 2024
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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, Gateway Fiber.

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