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497 W Main St, Washington, MO, 63090

3beds
3baths
2,178sqft
$725,000
$333price/sqft
$4,786/moest. monthly cost
$191,440/yrincome needed

About This Home

Experience Luxury living in this 2140 sq ft townhome in the heart of downtown Washington! Just a short stroll to local restaurants, shops, and the scenic riverfront park, this exceptional townhome offers the perfect blend of upscale finishes and walkable convenience. The open concept main level is designed for both everyday comfort and entertaining in style. You will see luxury vinyl plank throughout, recessed lighting as well as a custom built electric fireplace to really elevate the comfort of your living room. The kitchen features quartz countertops, an island, a custom tile backsplash, premium stainless steel VIKING appliances, and even a custom-built liquor display cabinet that adds a distinctive touch of sophistication. Are you seeing a pattern here? Lots of custom additions in this one! They even added shades that you can control with a click. Upstairs, the impressive master suite offers a private/screened in walkout balcony with beautiful views of the Missouri River, a spacious walk in closet, and a spa-inspired en suite bath complete with dual vanities, an oversized dual-head walk in shower, and a luxurious soaking bath tub with the same views of the mighty Missouri! Two additional bedrooms provide access to a front balcony, and close access to another stunning dual vanity full bathroom. Thoughtful details are found throughout the home, including crown molding, a coffered ceiling in the master bedroom, custom wallpaper in the powder room and third bedroom/office, and high end finishes at every turn. Even the laundry room is fitted with speed queen commercial washer and dryer, conveniently placed on the upper floor. If you're looking for low-maintenance luxury in one of Washington's most desirable locations, this remarkable downtown townhome is a must see.

Getting Around

74
WalkingVery Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

6/10
Washington Middle SchoolGrades 7-81.2 mi
7/10
Washington High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Brick

Other

  • Builder name: Unerstall Construction

Type & Style

  • Home type: Townhouse
  • Architectural style: Modern,Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: ENERGY STAR Qualified Appliances,Stainless Steel Appliance(s),Electric Cooktop,ENERGY STAR Qualified Dishwasher,Disposal,ENERGY STAR Qualified Dryer,Range Hood,ENERGY STAR Qualified Refrigerator

Bathroom

  • Features: Floor Covering: Ceramic Tile
  • Level: Main
  • Area: 36
  • Dimensions: 6x6

Bathroom2

  • Features: Floor Covering: Ceramic Tile
  • Level: Upper
  • Area: 144
  • Dimensions: 16x9

Bathroom3

  • Features: Floor Covering: Ceramic Tile
  • Area: 54
  • Dimensions: 6x9

Bedroom

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Upper
  • Area: 252
  • Dimensions: 14x18

Bedroom2

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Upper
  • Area: 168
  • Dimensions: 14x12

Bedroom3

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Upper
  • Area: 168
  • Dimensions: 14x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Ceiling Fan(s),Crown Molding,Custom Cabinetry,Dining/Living Room Combo,High Speed Internet,Kitchen Island,Kitchen/Dining Room Combo,Open Floorplan,Pantry,Recessed Lighting,Smart Thermostat,Storage,Walk-In Closet(s),Walk-In Pantry
  • Door features: Panel Door(s),Pocket Door(s),Sliding Doors
  • Flooring: Luxury Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,140

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Ceiling Fan(s),Central Air,ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 2,178
  • Total interior livable area: 2,178 sqft

Kitchen

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 273
  • Dimensions: 13x21

Living Room

  • Features: Floor Covering: Luxury Vinyl Plank
  • Level: Main
  • Area: 360
  • Dimensions: 15x24

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 1051503045005400
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Covered,Front Porch,Porch
  • Exterior features: Balcony,Entry Steps/Stairs
  • Fencing: None
  • Has view: Yes
  • View description: Downtown,Park/Greenbelt,River
  • Water view: River

Lot

  • Lot size: 2,178 sqft
  • Features: Front Yard,Rectangular Lot,Views
  • Lot size dimensions: 2178

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Garage Faces Rear
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Inland Flooding
Strong Wind
Tornado
Cold Wave
Earthquake
Hail
Ice Storm
Lightning
Winter Weather

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,665$43,980
Home Insurance *$514$6,168
Property Taxes $441$5,292
Electricity $166$1,995
Total$4,786$57,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$164,091/yr
40% on housing$143,580/yr
45% on housing$127,626/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.9%
-0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$333This listing

vs Other Active Listings

Avg $/sqft

ZIP 63090$232
Franklin County$207

vs Homes Sold Last Month

Median $/sqft

ZIP 63090$184
Franklin County$160

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-13Price change$699,000
2026-07-02Listed for sale$725,000

For Sale by Agent

AgentRyan Jones
BrokerageRE/MAX Today

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