428 W 3rd St, Washington, MO 63090 Property Records

Franklin County property record for 428 W 3rd St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,168 sqft · built 1919
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$1,933 (2025)
Deeds & Mortgages	Feb 2021 Sale Nov 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-2-099-123.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-2-099-123.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,168 sqft Living Area

Exterior

Year Built	Built 1919
Architectural Style	Other
Exterior Material	Brick
Construction Type	Brick
Lot Area	8,712 sqft (0.2 acres)
Shed	1 Shed

Location & Zoning

Street Address	428 W 3RD ST
City	WASHINGTON
State	MO
Zip	63090-2202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE NW E OLIVE ST S 3RD 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	3032
Census Tract	800302

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Stafford-Olive Historic District listed 2000 · 140 contributing resources · NRIS 00001114

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	428 W 3RD ST, WASHINGTON, MO 63090-2202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Warranty Deed, Transfer
Nov 13, 2020	Deed of Trust, Mortgage BANK OF WA
Nov 13, 2020	Deed of Trust, Mortgage BANK OF WA
Jan 12, 2021	Quit Claim Deed, Transfer BANK OF WA
Sep 4, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF WA
Sep 3, 2019	Deed of Trust, Mortgage BANK OF WA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021
Deed Sale	Feb 8, 2021
Prior Sale	Dec 8, 2008
Deed Document Number	2102431
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 8, 2021
Property Address	428 W 3RD ST, WASHINGTON, MO 63090-2202
Document Number	0002102431
Map Reference	VL 309 PG 16
Instrument Date	Feb 5, 2021
Instrument	2102431
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2906 VANCE HILL RD, 2906, NEWPORT CENTER, VT 05857-9356

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 W 3RD ST, WASHINGTON, MO 63090-2202

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	428 W 3RD ST, WASHINGTON, MO 63090-2202
Document Number	0000020965
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 W 3RD ST WASHINGTON MO 630902202, WASHINGTON, MO 63090-2202

Mortgage

Document Number	0000020965
Date	Dec 2, 2020
Instrument	20965

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	428 W 3RD ST, WASHINGTON, MO 63090-2202
Document Number	0000000687
Instrument Date	Nov 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 W 3RD ST WASHINGTON MO 630902202, WASHINGTON, MO 63090-2202

Mortgage

Document Number	0000000687
Date	Jan 12, 2021
Instrument	687

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Jan 12, 2021
Property Address	428 W 3RD ST, WASHINGTON, MO 63090-2202
Document Number	0000000686
Instrument Date	Nov 13, 2020
Instrument	686
Transaction Type	Transfer
Record Updated	Feb 11, 2021
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 W 3RD ST WASHINGTON MO 630902202, WASHINGTON, MO 63090-2202

Mortgage

Document Number	20965
Date	Jan 12, 2021
Instrument	20965

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	428 W 3RD ST, WASHINGTON, MO 63090-2202
Document Number	0000012298
Instrument Date	Sep 4, 2019
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	428 W 3RD ST WASHINGTON MO 630902202, WASHINGTON, MO 63090-2202

Mortgage

Document Number	0000012298
Date	Sep 16, 2019
Instrument	12298

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2039

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	428 W 3RD ST, WASHINGTON, MO 63090-2202
Document Number	0000012113
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	428 W 3RD ST WASHINGTON MO 630902202, WASHINGTON, MO 63090-2202

Mortgage

Document Number	0000012113
Date	Sep 12, 2019
Instrument	12113

Lender

Name	BANK OF WA
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Sep 11, 2039

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	$1,933.00 (+8.84%)	$34,671 (+10.79%)	$182,480 (+10.79%) Land $27,370 Building $155,110
2023	$1,776.00 (+7.18%)	$31,295	$164,710 Land $27,370 Building $137,340
2022	$1,657.00

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 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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