821 Locust St, Washington, MO 63090 Property Records

Franklin County property record for 821 Locust St, Washington, MO 63090

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,048 sqft · built 2021
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Tax Bill	$1,893 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-5-22.0-4-059-194.400`

Property Details

APN / Parcel Number

Primary APN	`10-5-22.0-4-059-194.400`

Interior

Bedrooms	2 Beds
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area

Exterior

Year Built	Built 2021
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	821 LOCUST ST
City	WASHINGTON
State	MO
Zip	63090-4508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 5 LOCUST VALLEYPT SE
Legal Subdivision	LOCUST VALLEY
Legal Lot Number	5
Jurisdiction	FRANKLIN MO
Township / Civil Division	WASHINGTON
Census Block Group	4
Census Block	4019
Census Tract	800201

Owner

821 Locust St is owned and occupied by an individual who acquired it in August 2023.

Source: Franklin County records, as of November 10, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	821 LOCUST ST, WASHINGTON, MO 63090-4508
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK OF WASHINGTON
Aug 17, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023
Deed Sale	Aug 29, 2023
Prior Sale	Aug 17, 2021
Deed Document Number	2310064
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 29, 2023
Property Address	821 LOCUST ST, WASHINGTON, MO 63090-4508
Document Number	0002310064
Map Reference	DOC 2015392
Instrument Date	Aug 11, 2023
Instrument	2310064
Transaction Type	Transfer
Record Updated	Sep 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 WHISPERING OAKS DRB, WASHINGTON, MO 63090

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	821 LOCUST ST, WASHINGTON, MO 63090-4508

Mortgage

Document Number	0002310065
Date	Aug 29, 2023
Instrument	2310065

Lender

Name	BANK OF WASHINGTON
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 17, 2021
Property Address	821 LOCUST ST, WASHINGTON, MO 63090-4508
Document Number	0002115510
Map Reference	DOC 2015392
Instrument Date	Aug 13, 2021
Instrument	2115510
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	TITLE PARTNERS AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16091 SWINGLEY RIDGE RD # RD300, RD300, CHESTERFIELD, MO 63017-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 LOCUST ST, WASHINGTON, MO 63090-4508

Mortgage

Document Number	0002115511
Date	Aug 17, 2021
Instrument	2115511

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 821 Locust St was $1,893.

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	$1,893.00	$33,949	$178,680 Land $30,000 Building $148,680
2023	$1,977.00 (+23.72%)	$34,831 (+23.8%)	$183,320 Land $30,000 Building $153,320
2022	$1,598.00	$28,135
2021			$148,080 Land $30,000 Building $118,080

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 821 Locust 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 · 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	4 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jul 1982 · rainfall accumulation

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

The area around 821 Locust 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 Risk	Not 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 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 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
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.

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