401 Cedar St, Washington, MO 63090 Property Records

Franklin County property record for 401 Cedar St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,048 sqft · built 1902
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,400 (Aug 2020)
Tax Bill	$3,494 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-2-099-061.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-2-099-061.000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,048 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Brick
Construction Type	Brick
Lot Area	17,424 sqft (0.4 acres)
Garage Area	390 sqft
Patio Area	396 sqft

Location & Zoning

Street Address	401 CEDAR ST
City	WASHINGTON
State	MO
Zip	63090-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE NW W CEDAR ST
Legal Range	1W
Legal Township	44N
Legal Section	22
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3032
Census Tract	800302

Historic Designation

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

Historic District	Within the Stafford-Olive Historic District listed 2000 · 140 contributing resources · NRIS 00001114

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 October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	401 CEDAR ST, WASHINGTON, MO 63090-2307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF WASHINGTON
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF WASHINGTON
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF WASHINGTON
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF WASHINGTON
Aug 21, 2020	Warranty Deed, Transfer BANK OF WA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Deed Document Number	202013613
Prior Transfer Date	Aug 25, 2011
Prior Transfer Doc	0000012519
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 CEDAR ST, WASHINGTON, MO 63090-2307
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002121479
Date	Nov 15, 2021
Instrument	2121479

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 CEDAR ST, WASHINGTON, MO 63090-2307
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002102832
Date	Feb 17, 2021
Instrument	2102832

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 CEDAR ST, WASHINGTON, MO 63090-2307
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002201852
Date	Feb 7, 2022
Instrument	2201852

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 CEDAR ST, WASHINGTON, MO 63090-2307
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002201853
Date	Feb 7, 2022
Instrument	2201853

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 21, 2020
Property Address	401 CEDAR ST, WASHINGTON, MO 63090-2307
Document Number	0000013613
Instrument Date	Aug 19, 2020
Instrument	13613
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	OTHER

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	221 LOCUST ST WASHINGTON MO 630902828, WASHINGTON, MO 63090-2828

Mortgage

Document Number	13614
Date	Aug 21, 2020
Instrument	13614

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 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	$3,494.00 (+4.14%)	$62,658 (+6%)	$329,780 (+6%) Land $30,170 Building $299,610
2023	$3,355.00 (+7.05%)	$59,111	$311,110 Land $30,170 Building $280,940
2022	$3,134.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 592 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

May also be available: AT&T, Gateway Fiber.

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