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712 James St, Washington, MO 63090 Property Records

Franklin County property record for 712 James St, Washington, MO 63090

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,422 sqft · built 1940
Lot Size0.1 acres (4,356 sqft)
OwnerIndividual Name on File
Last Sale$159,600 (May 2022)
Tax Bill$1,196 (2025)
Deeds & MortgagesOct 2022 Mortgage
May 2022 Mortgage
Flood ZoneZone X (minimal risk)
APN10-5-22.0-2-003-230.000

Property Details

APN / Parcel Number

Primary APN10-5-22.0-2-003-230.000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,422 sqft Living Area

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Construction TypeFrame
Lot Area4,356 sqft (0.1 acres)
Garage Area180 sqft

Location & Zoning

Street Address712 JAMES ST
CityWASHINGTON
StateMO
Zip63090-1910
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT:PT1&PT2 BLK 4 MCLEANS ADDN 3
Legal Range1W
Legal Township44N
Legal Section22
Legal SubdivisionMCLEANS
Legal Block4
Legal Lot Number1
JurisdictionFRANKLIN MO
Township / Civil DivisionWASHINGTON
Census Block Group2
Census Block2012
Census Tract800302

Owner

712 James St is owned by an individual who bought it in May 2022.

Source: Franklin County records, as of October 13, 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 RecordIndividual Name on File
Mailing Address3936 MCREE AVE, SAINT LOUIS, MO 63110-2629
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 24, 2022Deed of Trust, Mortgage · Conventional Mortgage
BANK OF FRANKLIN COUNTY
May 6, 2022Warranty Deed, Transfer · Conventional Mortgage
CEREBELLAR INVESTMENTS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 5, 2022 · Amount on File
Deed SaleMay 5, 2022 · Amount on File
Prior SaleJul 27, 2005 · Amount on File
Deed Document Number20227342
Record UpdatedOct 29, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionFRANKLIN MO
Property Address712 JAMES ST, WASHINGTON, MO 63090-1910
Transaction TypeMortgage
Record UpdatedJun 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0002216153
DateOct 24, 2022
Instrument2216153
Lender
NameBANK OF FRANKLIN COUNTY
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term300 Months
DueNov 1, 2047
Interest
Rate TypeAdjustable Rate
Rate4.3%
AdjustableAdjustable Rate Rider
Type Change DateNov 1, 2020
Change Frequency3 Years
Min Rate At Change4.3%
Max Rate At Change6.3%
IndexOther
Max Rate13.3%

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionFRANKLIN MO
Recording DateMay 6, 2022
Property Address712 JAMES ST, WASHINGTON, MO 63090-1910
Document Number0002207342
Instrument DateMay 3, 2022
Instrument2207342
Transaction TypeTransfer
Record UpdatedJun 13, 2023

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address712 JAMES ST, WASHINGTON, MO 63090-1910

Transferred To (Grantee/Buyer)

NameVerified Name
Address3936 MCREE AVE, SAINT LOUIS, MO 63110-2629

Mortgage

Document Number0002207343
DateMay 6, 2022
Instrument2207343
Lender
NameCEREBELLAR INVESTMENTS LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

TypeName
StateMissouri
CountyFranklin County
MunicipalityWashington City
Unified School DistrictWashington School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,196.00 (+4.45%)$21,453 (+6.36%)$112,910 (+6.36%) Land $13,860 Building $99,050
2023$1,145.00 (+16.13%)$20,170$106,160 Land $13,860 Building $92,300
2022$986.00

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.

Flood

FEMA maps place 712 James St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 712 James St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemWASHINGTON PWS
serves 14,068 people · EPA ID MO6010838
Water SourceGroundwater
Last State InspectionApr 2024
Lead3 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureSanitary survey deficiency not corrected
Jul 2024
Monitoring and Reporting4
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

ProviderMax 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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