322 Watermill Dr, Washington, MO 63090 Property Records

Franklin County property record for 322 Watermill Dr, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	4 bd · 1,412 sqft · built 2022
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,091 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-8-34.0-0-020-032.140`

Property Details

APN / Parcel Number

Primary APN	`10-8-34.0-0-020-032.140`

Interior

Bedrooms	4 Beds
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	322 WATERMILL DR
City	WASHINGTON
State	MO
Zip	63090-7150
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 13A WALNUT RIDGE PLACE PLAT 5PT SW
Legal Subdivision	WALNUT RIDGE PLACE (LOC 10)
Legal Lot Number	13
Jurisdiction	FRANKLIN MO
Township / Civil Division	ST. JOHNS
Census Block Group	1
Census Block	1017
Census Tract	800202

Owner

Source: Franklin County records, as of November 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	322 WATERMILL DR, WASHINGTON, MO 63090-7150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF WASHINGTON
Mar 28, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2023
Deed Sale	Mar 28, 2023
Deed Document Number	2023203554
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	322 WATERMILL DR, WASHINGTON, MO 63090-7150
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0002211272
Date	Jul 18, 2022
Instrument	2211272

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 28, 2023
Property Address	322 WATERMILL DR, WASHINGTON, MO 63090-7150
Document Number	0002303554
Map Reference	DOC 2011495
Instrument Date	Mar 24, 2023
Instrument	2303554
Transaction Type	Transfer
Record Updated	Oct 20, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 WATERMILL DR, WASHINGTON, MO 63090-7150

Mortgage

Document Number	0002303555
Date	Mar 28, 2023
Instrument	2303555

Lender

Name	MORTGAGE SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7.38%
Index	Other
Margin	2
Max Rate	10.3%

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$3,091.00 (+31.64%)	$58,575 (+34.11%)	$308,290 (+34.11%) Land $35,000 Building $273,290
2023	$2,348.00 (+1,824.59%)	$43,677	$229,880 Land $35,000 Building $194,880
2022	$122.00

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	4 in force
Nearby Flood Claims	2 (2015–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2017 · 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

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.05% 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 1 serves 3,500 people · EPA ID MO6024211
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	4 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	2 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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