Franklin County property record for 431 Michelle Dr, Washington, MO 63090
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,178 sqft · built 1983 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Owner Name on File |
| Last Sale | $147,500 (Nov 2007) |
| Tax Bill | $2,022 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-8-27.0-4-003-038.000 |
| Primary APN | 10-8-27.0-4-003-038.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,178 sqft Living Area |
| Year Built | Built 1983 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 43,560 sqft (1 acres) |
| Patio Area | 80 sqft |
| Street Address | 431 MICHELLE DR |
|---|---|
| City | WASHINGTON |
| State | MO |
| Zip | 63090-5233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:16 DAWN VALLEY 5 |
| Legal Range | 01W |
| Legal Township | 44 |
| Legal Section | 27 |
| Legal Quarter | SE |
| Legal Subdivision | DAWN VALLEY |
| Legal Block | 3 |
| Legal Lot Number | 16 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 800202 |
The current owner of 431 Michelle Dr bought it in November 2007.
Source: Franklin County records, as of November 10, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 431 MICHELLE DR, WASHINGTON, MO 63090-5233 |
| Occupancy | Owner Occupied |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF WASHINGTON |
| Dec 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE |
| Jul 23, 2020 | Deed of Trust, Mortgage FREEDOM MTG |
| Jan 25, 2018 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2007 · Amount on File |
| Deed Sale | Nov 9, 2007 · Amount on File |
| Deed Document Number | 0725223 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 431 MICHELLE DR, WASHINGTON, MO 63090-5233 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002202510 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 2202510 |
| Name | BANK OF WASHINGTON |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 431 MICHELLE DR, WASHINGTON, MO 63090-5233 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002123830 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 2123830 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 431 MICHELLE DR, WASHINGTON, MO 63090-5233 |
| Document Number | 0000012272 |
| Instrument Date | Jul 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 431 MICHELLE DR WASHINGTON MO 630905233, WASHINGTON, MO 63090-5233 |
| Document Number | 0000012272 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 12272 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | ST LOUIS, MO 63005 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 30, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 431 MICHELLE DR, WASHINGTON, MO 63090-5233 |
| Document Number | 0000002168 |
| Instrument Date | Jan 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 431 MICHELLE DR WASHINGTON MO 630905233, WASHINGTON, MO 63090-5233 |
| Document Number | 0000002168 |
|---|---|
| Date | Feb 21, 2018 |
| Instrument | 2168 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2048 |
The 2025 property tax bill for 431 Michelle Dr was $2,022.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | Washington City |
| Unified School District | Washington School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,022.00 | $36,304 | $191,070 Land $60,840 Building $130,230 |
| 2023 | $1,913.00 (+5.4%) | $33,712 | $177,430 Land $60,840 Building $116,590 |
| 2022 | $1,815.00 |
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 431 Michelle Dr 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 | 4 in force |
| Nearby Flood Claims | 2 (2015–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2017 · 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 risk around 431 Michelle Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| BlueBit Networks Fixed Wireless | 10 / 1 |
May also be available: AT&T, Bays-ET Highspeed, Gateway Fiber, Spectrum, T-Mobile.
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