414 Cedar St, Washington, MO 63090 Property Records

Franklin County property record for 414 Cedar St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,214 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,812 (2025)
Deeds & Mortgages	May 2020 Line of Credit May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-2-099-044.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-2-099-044.000`

Interior

Bedrooms	4 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,214 sqft Living Area

Exterior

Year Built	Built 1930
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	414 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	1097 N SERVICE RD W, SAINT CLAIR, MO 63077-2916
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Construction Loan · Line of Credit HERITAGE CMNTY BK
May 3, 2019	Warranty Deed, Construction Loan · Line of Credit HERITAGE CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019
Deed Sale	May 3, 2019
Deed Document Number	1905183
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Recording Date	May 1, 2020
Property Address	414 CEDAR ST, WASHINGTON, MO 63090-2318
Document Number	0000006192
Instrument Date	Apr 24, 2020
Instrument	6192
Transaction Type	Construction Loan
Record Updated	May 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1097 N SERVICE RD W ST CLAIR MO 630772916, ST CLAIR, MO 63077-2916

Mortgage

Document Number	0000006192
Date	May 1, 2020
Instrument	6192

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 30, 2021

Interest

Rate Type	Adjustable Rate

May 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 3, 2019
Property Address	414 CEDAR ST, WASHINGTON, MO 63090-2318
Document Number	0000005183
Instrument Date	Apr 30, 2019
Instrument	5183
Transaction Type	Construction Loan
Record Updated	May 27, 2019
Title Company	HANSEN FRANKLIN COMPANY LAND TITLE, HANSEN FRANKLIN CO LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1097 N SERVICE RD W ST CLAIR MO 630772916, ST CLAIR, MO 63077-2916

Mortgage

Document Number	5184
Date	May 3, 2019
Instrument	5184

Lender

Name	HERITAGE CMNTY BK
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 2, 2020

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	$2,812.00 (-3.23%)	$50,426 (-1.49%)	$265,400 (-1.49%) Land $48,470 Building $216,930
2023	$2,906.00 (+13.78%)	$51,190	$269,420 Land $48,470 Building $220,950
2022	$2,554.00

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	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 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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