Franklin County property record for 487 Watermill Dr, Washington, MO 63090
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,545 sqft · built 2009 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,067 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-8-33.0-0-030-100.000 |
| Primary APN | 10-8-33.0-0-030-100.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,545 sqft Living Area |
| Year Built | Built 2009 |
|---|---|
| Architectural Style | Split Foyer |
| Lot Area | 21,780 sqft (0.5 acres) |
| Street Address | 487 WATERMILL DR |
|---|---|
| City | WASHINGTON |
| State | MO |
| Zip | 63090-7125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:159 SUMMER HILL ESTATES PLAT 1 |
| Legal Range | 01W |
| Legal Township | 44 |
| Legal Section | 33 |
| Legal Subdivision | SUMMER HILL ESTATES |
| Legal Lot Number | 159 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | ST. JOHNS |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 800202 |
487 Watermill Dr is owned and occupied by an individual who acquired it in July 2023.
Source: Franklin County records, as of November 10, 2025
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SOFI BANK NA |
| Jul 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH MORTGAGE INC |
| May 11, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| May 20, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| Aug 10, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Oct 23, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Jun 1, 2017 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2023 |
| Deed Sale | Jul 20, 2023 |
| Prior Sale | Jan 7, 2010 |
| Deed Document Number | 2308456 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Title Company | SFB |
| Name | Verified Name |
|---|
| Document Number | 0002602952 |
|---|---|
| Date | Mar 9, 2026 |
| Instrument | 2602952 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Jul 20, 2023 |
| Property Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Document Number | 0002308456 |
| Instrument Date | Jul 19, 2023 |
| Instrument | 2308456 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1016 TOPVIEW DR, HARRISBURG, PA 17112-2957 |
| Name | Verified Name |
|---|---|
| Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Document Number | 0002308457 |
|---|---|
| Date | Jul 20, 2023 |
| Instrument | 2308457 |
| Name | FLAT BRANCH MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002207636 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 2207636 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0002109624 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2109624 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Document Number | 0000013395 |
| Instrument Date | Aug 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 487 WATERMILL DR WASHINGTON MO 630907125, WASHINGTON, MO 63090-7125 |
| Document Number | 0000013395 |
|---|---|
| Date | Aug 18, 2020 |
| Instrument | 13395 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | ST LOUIS, MO 63005 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Aug 17, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Document Number | 0000001594 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 487 WATERMILL DR WASHINGTON MO 630907125, WASHINGTON, MO 63090-7125 |
| Document Number | 0000001594 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 1594 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | ST LOUIS, MO 63005 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Feb 2, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 487 WATERMILL DR, WASHINGTON, MO 63090-7125 |
| Document Number | 0000008691 |
| Instrument Date | Jun 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 487 WATERMILL DR WASHINGTON MO 630907125, WASHINGTON, MO 63090-7125 |
| Document Number | 0000008691 |
|---|---|
| Date | Jun 12, 2017 |
| Instrument | 8691 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64112 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2047 |
The 2025 property tax bill for 487 Watermill Dr was $2,067.
Source: Franklin County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Unified School District | Washington School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,067.00 | $39,172 | $206,170 Land $36,000 Building $170,170 |
| 2023 | $1,938.00 (-8.06%) | $36,053 (-7.98%) | $189,750 Land $36,000 Building $153,750 |
| 2022 | $2,108.00 | $39,180 | |
| 2021 | $206,210 Land $36,000 Building $170,210 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 487 Watermill 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 487 Watermill Dr is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 75% of Missouri |
|---|---|
| Wildfire Likelihood | 0.04% 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 | FRANKLIN COUNTY PWSD 1 serves 3,500 people · EPA ID MO6024211 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 101 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 |
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