320 Locust St, Washington, MO 63090 Property Records

Franklin County property record for 320 Locust St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,518 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$1,854 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2022 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-1-099-298.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-1-099-298.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,518 sqft Living Area

Exterior

Year Built	Built 1900
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	320 LOCUST ST
City	WASHINGTON
State	MO
Zip	63090-2831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE NE N OF 4TH ST E OF LOCUST ST
Legal Range	01W
Legal Township	44
Legal Section	22
Legal Quarter	NE
Legal Subdivision	TRACTS
Legal Block	99
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

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
Co-owner	Co-owner on Record
Mailing Address	881 HUMMINGBIRD RD, OZARK, MO 65721-7192
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF WASHINGTON
Aug 3, 2022	Deed of Trust, Mortgage · Construction Mortgage BANK OF WASHINGTON
Mar 2, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022
Deed Sale	Mar 2, 2022
Prior Sale	Jul 7, 2008
Deed Document Number	2203252
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	320 LOCUST ST, WASHINGTON, MO 63090-2831
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002313542
Date	Nov 14, 2023
Instrument	2313542

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	320 LOCUST ST, WASHINGTON, MO 63090-2831
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002212235
Date	Aug 3, 2022
Instrument	2212235

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 2, 2022
Property Address	320 LOCUST ST, WASHINGTON, MO 63090-2831
Document Number	0002203252
Instrument Date	Feb 28, 2022
Instrument	2203252
Transaction Type	Transfer
Record Updated	Jan 9, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	881 HUMMINGBIRD RD, OZARK, MO 65721-7192

Tax Assessment & Valuation

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	$1,854.00 (+2.89%)	$33,257 (+4.74%)	$175,040 (+4.74%) Land $26,170 Building $148,870
2023	$1,802.00 (+14.41%)	$31,753	$167,120 Land $26,170 Building $140,950
2022	$1,575.00

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 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

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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