103 Lydia, Festus, MO 63028 Property Records

Jefferson County property record for 103 Lydia, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,929 sqft · built 1980
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,700 (Dec 2013)
Tax Bill	$1,989 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-2.0-10.0-0-000-021.02`

Property Details

APN / Parcel Number

Primary APN	`18-2.0-10.0-0-000-021.02`
Alternative APN	`1820100 02102`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,929 sqft Living Area
Gross Area	2,529 sqft
1st Floor Area	1,484 sqft
Basement Area	445 sqft
Finished Basement	445 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	600 sqft
Porch	Open Frame Porch
Porch Area	132 sqft
Patio Area	1,620 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 LYDIA
City	FESTUS
State	MO
Zip	63028-3092
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	PT US SURVEY 910
Legal Range	5E
Legal Township	40N
Legal Section	10
Legal Subdivision	US SURV 910
Legal Block	1
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	1
Census Block	1015
Census Tract	701001

Owner

Source: Jefferson County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 LYDIA, FESTUS, MO 63028-3092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2020	Deed of Trust, Mortgage · Line of Credit ARSENAL CU
Apr 9, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Aug 26, 2019	Deed of Trust, Mortgage · FHA Mortgage DAS ACQUISITION
Oct 20, 2017	Deed of Trust, Mortgage · Line of Credit MEMBERS FIRST CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2013 · Amount on Record
Deed Sale	Dec 30, 2013 · Amount on Record
Prior Sale	Sep 1, 2011
Deed Document Number	201348509
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	103 LYDIA, FESTUS, MO 63028-3092
Document Number	0000037805
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 1, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 LYDIA FESTUS MO 630283092, FESTUS, MO 63028-3092

Mortgage

Document Number	0000037805
Date	Oct 7, 2020
Instrument	37805

Lender

Name	ARSENAL CU
Type	Credit Union
Address	ARNOLD, MO 63010

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 6, 2040

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	103 LYDIA, FESTUS, MO 63028-3092
Document Number	0000012640
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	PINNACLE TITLE AGENCY, PINNACLE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 LYDIA FESTUS MO 630283092, FESTUS, MO 63028-3092

Mortgage

Document Number	0000012640
Date	Apr 14, 2020
Instrument	12640

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 13, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	103 LYDIA, FESTUS, MO 63028-3092
Document Number	0000026224
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	PINNACLE TITLE AGENCY, PINNACLE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 LYDIA FESTUS MO 630283092, FESTUS, MO 63028-3092

Mortgage

Document Number	0000026224
Date	Sep 3, 2019
Instrument	26224

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	103 LYDIA, FESTUS, MO 63028-3092
Document Number	0000036236
Instrument Date	Oct 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 LYDIA FESTUS MO 630283092, FESTUS, MO 63028-3092

Mortgage

Document Number	0000036236
Date	Nov 15, 2017
Instrument	36236

Lender

Name	MEMBERS FIRST CU
Type	Credit Union
Address	SAINT LOUIS, MO 63128-2822

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 14, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Festus R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,800 (-) Land $2,700 Building $31,100	$178,200 (-) Land $14,400 Building $163,800
2025	$1,989.00 (+11.3%)	$33,800 (+14.19%) Land $2,700 Building $31,100
2024			$178,200 (+14.16%) Land $14,400 Building $163,800
2023	$1,787.00	$29,600 Land $2,700 Building $26,900	$156,100 Land $14,400 Building $141,700

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

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · 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	2 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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