154 Ladera Ln, Washington, MO 63090 Property Records

Franklin County property record for 154 Ladera Ln, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,643 sqft · built 2008
Owner	Individual Name on Record
Tax Bill	$2,639 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-9-32.0-4-002-052.000`

Property Details

APN / Parcel Number

Primary APN	`09-9-32.0-4-002-052.000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,643 sqft Living Area

Exterior

Year Built	Built 2008
Architectural Style	A-Frame
Construction Type	Frame

Location & Zoning

Street Address	154 LADERA LN
City	WASHINGTON
State	MO
Zip	63090-5764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SD
Legal Description	LOT:28 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	28
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	Individual Name on Record
Mailing Address	154 LADERA LN, WASHINGTON, MO 63090-5764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Aug 13, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Oct 11, 2018	Warranty Deed, Transfer · VA Mortgage USA FED'L SVGS BK
May 6, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CMNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2023
Deed Sale	Jan 31, 2023
Prior Sale	Oct 11, 2018
Deed Document Number	2301188
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 31, 2023
Property Address	154 LADERA LN, WASHINGTON, MO 63090-5764
Document Number	0002301188
Map Reference	PB M PG 56
Instrument Date	Jan 27, 2023
Instrument	2301188
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6790 HIGHWAY 1009-105, WASHINGTON, MO 63090

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6790 HIGHWAY 100 APT 9-105, 9-105, WASHINGTON, MO 63090-1124

Mortgage

Document Number	0002301189
Date	Jan 31, 2023
Instrument	2301189

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2020
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.88%
Index	Other
Margin	3
Max Rate	9.88%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	154 LADERA LN, WASHINGTON, MO 63090-5764
Document Number	0000000416
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	154 LADERA LN WASHINGTON MO 630905764, WASHINGTON, MO 63090-5764

Mortgage

Document Number	0000000416
Date	Jan 8, 2021
Instrument	416

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 11, 2018
Property Address	154 LADERA LN, WASHINGTON, MO 63090-5764
Document Number	0000014070
Instrument Date	Oct 10, 2018
Instrument	14070
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	154 LADERA LN WASHINGTON MO 630905764, WASHINGTON, MO 63090-5764

Mortgage

Document Number	14071
Date	Oct 11, 2018
Instrument	14071

Lender

Name	USA FED'L SVGS BK
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	154 LADERA LN, WASHINGTON, MO 63090-5764
Document Number	0000007947
Instrument Date	May 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	154 LADERA LN WASHINGTON MO 630905764, WASHINGTON, MO 63090-5764

Mortgage

Document Number	0000007947
Date	May 26, 2017
Instrument	7947

Lender

Name	FIRST CMNTY FCU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 25, 2032

Interest

Rate Type	Adjustable Rate

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	$2,639.00 (+12.11%)	$50,004 (+14.24%)	$263,180 (+14.24%) Land $45,000 Building $218,180
2023	$2,354.00 (-4.46%)	$43,772	$230,380 Land $30,000 Building $200,380
2022	$2,464.00

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	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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