Franklin County property record for 422 Lighthouse Ct, Villa Ridge, MO 63089
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,834 sqft · built 2005 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $331,300 (Jun 2020) |
| Tax Bill | $4,203 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-5-22.0-0-018-001.180 |
| Primary APN | 18-5-22.0-0-018-001.180 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,834 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Frame |
| Lot Area | 34,848 sqft (0.8 acres) |
| Patio Area | 160 sqft |
| Street Address | 422 LIGHTHOUSE CT |
|---|---|
| City | VILLA RIDGE |
| State | MO |
| Zip | 63089-2054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RD |
| Legal Description | LOT:142 BRIDGEWATER ESTATES PH3 |
| Legal Range | 1E |
| Legal Township | 43N |
| Legal Section | 22 |
| Legal Subdivision | BRIDGEWATER ESTATES |
| Legal Lot Number | 142 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | BOLES |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 800103 |
422 Lighthouse Ct is owned and occupied by two individuals who bought it in June 2020.
Source: Franklin County records, as of July 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 422 LIGHTHOUSE CT, VILLA RIDGE, MO 63089-2054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE COMMUNITY BANK |
| Jun 16, 2020 | Warranty Deed, Transfer BANK OF WA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2020 · Amount on File |
| Deed Sale | Jun 16, 2020 · Amount on File |
| Prior Sale | May 29, 2009 · Amount on File |
| Deed Document Number | 20209196 |
| Prior Transfer Date | Dec 10, 2010 |
| Prior Transfer Doc | 0000022194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jun 16, 2026 |
| Property Address | 422 LIGHTHOUSE CT, VILLA RIDGE, MO 63089-2054 |
| Document Number | 0002607915 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 20262607915 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ICE MORTGAGE TECHNOLOGY |
| Name | Verified Name |
|---|---|
| Address | 422 LIGHTHOUSE CT, VILLA RIDGE, MO 63089-2054 |
| Document Number | 0002607915, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 20262607915 |
| Name | FIRST STATE COMMUNITY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jun 16, 2020 |
| Property Address | 422 LIGHTHOUSE CT, VILLA RIDGE, MO 63089-2054 |
| Document Number | 0000009196 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 9196 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2020 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 422 LIGHTHOUSE CT VILLA RIDGE MO 630892054, VILLA RIDGE, MO 63089-2054 |
| Document Number | 9197 |
|---|---|
| Date | Jun 16, 2020 |
| Instrument | 9197 |
| Name | BANK OF WA |
|---|---|
| Type | Bank |
| Address | WASHINGTON, MO 63090 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 15, 2050 |
The 2025 property tax bill for 422 Lighthouse Ct was $4,203.
Source: Franklin County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Meramec Valley R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,203.00 | $54,530 | $287,000 Land $60,000 Building $227,000 |
| 2023 | $3,041.00 (-6.23%) | $42,843 | $225,490 Land $40,000 Building $185,490 |
| 2022 | $3,243.00 |
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.
FEMA maps place 422 Lighthouse Ct in Zone X, an area of minimal flood risk.
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 | 4 in force |
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 risk around 422 Lighthouse Ct is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKLIN COUNTY PWSD 3 serves 8,250 people · EPA ID MO6024213 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 175 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 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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