489 W Main St, Washington, MO 63090 Property Records

Franklin County property record for 489 W Main St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	3 bd · 3,330 sqft · built 2023
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Tax Bill	$4,411 (2025)
Deeds & Mortgages	May 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-5-15.0-3-045-005.000`

Property Details

APN / Parcel Number

Primary APN	`10-5-15.0-3-045-005.000`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,330 sqft Living Area

Exterior

Year Built	Built 2023
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	489 W MAIN ST
City	WASHINGTON
State	MO
Zip	63090-2125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 9 RIVER PLACE PLAT IIPT SE SW N MAIN ST
Legal Subdivision	RIVER PLACE
Legal Lot Number	9
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3008
Census Tract	800302

Historic Designation

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

Historic District	Within the Downtown Washington Historic District listed 1989 · 92 contributing resources · NRIS 89001465

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
Co-owner	Co-owner on Record
Mailing Address	489 W MAIN ST, WASHINGTON, MO 63090-2125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2024
Deed Sale	May 7, 2024
Deed Document Number	2405104
Record Updated	Sep 20, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 7, 2024
Property Address	489 W MAIN ST, WASHINGTON, MO 63090-2125
Document Number	0002405104
Map Reference	DOC 2211801
Instrument Date	May 3, 2024
Instrument	2405104
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	TRUST TITLE COMPANY, TRUE TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	705 JEFFERSON ST, WASHINGTON, MO 63090-2709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 W MAIN ST, WASHINGTON, MO 63090-2125

Mortgage

Document Number	0002405105
Date	May 7, 2024
Instrument	2405105

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.38%
Max Rate At Change	8.38%
Index	1-Year CMT
Max Rate	12.3%

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	$4,411.00 (+683.48%)	$79,096 (+696.46%)	$416,290 (+696.42%) Land $65,340 Building $350,950
2023	$563.00	$9,931	$52,270 Land $52,270

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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Wave Internet Technologies Fixed Wireless	100 / 100