406 Cedar St, Washington, MO 63090 Property Records

Franklin County property record for 406 Cedar St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,746 sqft · built 1905
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,731 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-2-099-047.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-2-099-047.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,746 sqft Living Area

Exterior

Year Built	Built 1905
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Area	252 sqft

Location & Zoning

Street Address	406 CEDAR ST
City	WASHINGTON
State	MO
Zip	63090-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE NW E CEDAR ST
Legal Range	01W
Legal Township	44
Legal Section	22
Legal Quarter	NW
Legal Subdivision	TRACTS
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3044
Census Tract	800302

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	2 Individual Names on Record
Mailing Address	406 CEDAR ST, WASHINGTON, MO 63090-2308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF WASHINGTON
Jan 17, 2020	Deed of Trust, Mortgage BANK OF WA
Oct 30, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF WA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2015
Deed Sale	Mar 16, 2015
Deed Document Number	1503356
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	406 CEDAR ST, WASHINGTON, MO 63090-2308
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002102248
Date	Feb 4, 2021
Instrument	2102248

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	406 CEDAR ST, WASHINGTON, MO 63090-2308
Document Number	0000001114
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	406 CEDAR ST WASHINGTON MO 630902308, WASHINGTON, MO 63090-2308

Mortgage

Document Number	0000001114
Date	Jan 24, 2020
Instrument	1114

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 23, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	406 CEDAR ST, WASHINGTON, MO 63090-2308
Document Number	0000015905
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	US TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	406 CEDAR ST WASHINGTON MO 630902308, WASHINGTON, MO 63090-2308

Mortgage

Document Number	0000015905
Date	Nov 18, 2019
Instrument	15905

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Nov 17, 2024

Interest

Rate Type	Adjustable Rate

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	$2,731.00 (+8.76%)	$48,971 (+10.7%)	$257,740 (+10.7%) Land $21,000 Building $236,740
2023	$2,511.00 (+3.89%)	$44,236	$232,820 Land $21,000 Building $211,820
2022	$2,417.00

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	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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