401 E Main St, Washington, MO 63090 Property Records

Franklin County property record for 401 E Main St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 5,804 sqft · built 1830
Lot Size	1.3 acres (56,628 sqft)
Owner	Company Name on Record
Tax Bill	$9,266 (2025)
Deeds & Mortgages	Mar 2025 Sale Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-1-003-034.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-1-003-034.000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,804 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1830
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Lot Area	56,628 sqft (1.3 acres)
Patio Area	412 sqft

Location & Zoning

Street Address	401 E MAIN ST
City	WASHINGTON
State	MO
Zip	63090-2842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCINDA OWENS ESTATESLOT:PT54,32,33&PT VAC MAIN
Legal Range	01W
Legal Township	44
Legal Section	22
Legal Quarter	NE
Legal Subdivision	LUCINDA OWENS ESTATES
Legal Block	3
Legal Lot Number	32-33
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1002
Census Tract	800201

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	Company Name on Record
Mailing Address	401 E MAIN ST, WASHINGTON, MO 63090-2842
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2025	Warranty Deed, Transfer USTC, UST
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF FRANKLIN COUNTY
Oct 25, 2019	Deed of Trust, Mortgage BANK OF FRANKLIN CNTY
Dec 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2025
Deed Sale	Mar 27, 2025
Deed Document Number	2503371
Record Updated	Jun 8, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 27, 2025
Property Address	401 E MAIN ST, WASHINGTON, MO 63090-2842
Document Number	0002503371
Map Reference	PB A PG 74
Instrument Date	Mar 27, 2025
Instrument	2503371
Transaction Type	Transfer
Record Updated	Nov 11, 2025
Title Company	USTC, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2303 E 5TH ST, WASHINGTON, MO 63090-3701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E MAIN ST, WASHINGTON, MO 63090-2842

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 E MAIN ST, WASHINGTON, MO 63090-2842
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002118738
Date	Oct 4, 2021
Instrument	2118738

Lender

Name	BANK OF FRANKLIN COUNTY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	401 E MAIN ST, WASHINGTON, MO 63090-2842
Document Number	0000015181
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	401 E MAIN ST WASHINGTON MO 630902842, WASHINGTON, MO 63090-2842

Mortgage

Document Number	0000015181
Date	Nov 4, 2019
Instrument	15181

Lender

Name	BANK OF FRANKLIN CNTY
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Dec 14, 2018
Property Address	401 E MAIN ST, WASHINGTON, MO 63090-2842
Document Number	0000017083
Instrument Date	Dec 13, 2018
Instrument	17083
Transaction Type	Transfer
Record Updated	Jan 7, 2019

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	401 E MAIN ST WASHINGTON MO 630902842, WASHINGTON, MO 63090-2842

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	$9,266.00 (+73.88%)	$166,142 (+76.96%)	$874,430 (+76.96%) Land $46,800 Building $827,630
2023	$5,329.00 (+12.5%)	$93,889	$494,150 Land $46,800 Building $447,350
2022	$4,737.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.02% 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 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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