312 Locust St, Washington, MO 63090 Property Records

Franklin County property record for 312 Locust St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,430 sqft · built 1910
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Tax Bill	$2,306 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-1-070-220.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-1-070-220.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,430 sqft Living Area

Exterior

Year Built	Built 1910
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	312 LOCUST ST
City	WASHINGTON
State	MO
Zip	63090-2831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1 HOTZ SUBDPT NE
Legal Range	01W
Legal Township	44
Legal Section	22
Legal Subdivision	HOTZ SUB
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1018
Census Tract	800201

Historic Designation

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

Historic District	Within the Locust Street Historic District listed 2000 · 123 contributing resources · NRIS 00001105

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

Owner

312 Locust St is owned by a company that acquired it in December 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	312 LOCUST ST, WASHINGTON, MO 63090-2831
Occupancy	Owner Occupied
Owner Type	Company

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
Dec 2, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF WASHINGTON
Apr 19, 2018	Deed of Trust, Mortgage HERITAGE CMNTY BK
Sep 5, 2017	Trustee's Deed, Construction Loan · Line of Credit HERITAGE CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021
Deed Sale	Dec 2, 2021
Deed Document Number	2122490
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 2, 2021
Property Address	312 LOCUST ST, WASHINGTON, MO 63090-2831
Document Number	0002122490
Map Reference	DOC 1620198
Instrument Date	Nov 29, 2021
Instrument	2122490
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 LOCUST ST, WASHINGTON, MO 63090-2831

Mortgage

Document Number	0002122491
Date	Dec 2, 2021
Instrument	2122491

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	312 LOCUST ST, WASHINGTON, MO 63090-2831
Document Number	0000005443
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	312 LOCUST ST WASHINGTON MO 630902831, WASHINGTON, MO 63090-2831

Mortgage

Document Number	0000005443
Date	Apr 24, 2018
Instrument	5443

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2048

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 5, 2017
Property Address	312 LOCUST ST, WASHINGTON, MO 63090-2831
Instrument Date	Aug 30, 2017
Instrument	13487
Transaction Type	Construction Loan
Record Updated	Aug 24, 2018
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	221 LOCUST ST WASHINGTON MO 630902828, WASHINGTON, MO 63090-2828

Mortgage

Document Number	0000013487
Date	Sep 5, 2017
Instrument	13487

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Sep 4, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 312 Locust St was $2,306.

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	$2,306.00	$41,359	$217,680 Land $18,320 Building $199,360
2023	$2,203.00 (+6.27%)	$38,817	$204,300 Land $18,320 Building $185,980
2022	$2,073.00

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

Flood

FEMA maps place 312 Locust St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1994.

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 Claims	4 (1994–2011)
Most Recent Claim	Apr 2011 · 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.

Wildfire

The area around 312 Locust 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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