416 Elm St, Washington, MO 63090 Property Records

Franklin County property record for 416 Elm St, Washington, MO 63090

Property Summary

Property Type	Commercial Office
Details	6,798 sqft · built 1973
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on File
Tax Bill	$8,259 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-2-099-026.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-2-099-026.000`

Interior

Total Rooms	6 Rooms
Building Area	6,798 sqft

Exterior

Year Built	Built 1973
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	416 ELM ST
City	WASHINGTON
State	MO
Zip	63090-2351
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Legal Description	THE STEAMBOAT BUILDINGPT NE NW E ELM 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	3043
Census Tract	800302

Owner

416 Elm St, a commercial property, is owned by a company that acquired it in April 2021 and is owner-occupied.

Source: Franklin County records, as of November 10, 2025

Owner of Record	Company Name on File
Mailing Address	416 ELM ST, WASHINGTON, MO 63090-2351
Occupancy	Owner Occupied
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK
Apr 28, 2021	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK
Apr 6, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF FRANKLIN CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2021
Deed Sale	Apr 28, 2021
Prior Sale	Jul 22, 2010
Deed Document Number	2107929
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	416 ELM ST, WASHINGTON, MO 63090-2351
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002215590
Date	Oct 11, 2022
Instrument	2215590

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Apr 28, 2021
Property Address	416 ELM ST, WASHINGTON, MO 63090-2351
Document Number	0002107929
Instrument Date	Apr 23, 2021
Instrument	2107929
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 CARDINAL MEADOWS DR, WASHINGTON, MO 63090-1258

Mortgage

Document Number	0002107930
Date	Apr 28, 2021
Instrument	2107930

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 23, 2026

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	416 ELM ST, WASHINGTON, MO 63090-2351
Document Number	0000004665
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Apr 13, 2018
Title Company	FRANKLIN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	416 ELM ST WASHINGTON MO 630902310, WASHINGTON, MO 63090-2310

Mortgage

Document Number	0000004665
Date	Apr 9, 2018
Instrument	4665

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 8, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 416 Elm St was $8,259.

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	$8,259.00	$136,345	$426,080 Land $120,260 Building $305,820
2023	$8,394.00 (+4.85%)	$136,345	$426,080 Land $120,260 Building $305,820
2022	$8,006.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 416 Elm St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

The area around 416 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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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