104 Lydia, Festus, MO 63028 Property Records

Jefferson County property record for 104 Lydia, Festus, MO 63028

Property Summary

Property Type	Apartments (5+ Units)
Details	1 ba · 720 sqft · built 1985
Lot Size	0.97 acres (42,253 sqft)
Owner	Individual Name on File
Last Sale	$100,900 (Oct 2015)
Tax Bill	$1,507 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`182.010.00000021`

Property Details

APN / Parcel Number

Primary APN	`182.010.00000021`
Alternative APN	`1820100 021`

Interior

Full Baths	1 Bath
Units	2 Units
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Duplex Single
Construction Type	Frame
Lot Area	42,253 sqft (0.97 acres)
Porch	Open Frame Porch
Porch Area	108 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 LYDIA
City	FESTUS
State	MO
Zip	63028-3092
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
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

104 Lydia, a residential property, is owned by an individual who acquired it in November 2016.

Source: Jefferson County records, as of October 19, 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 Record	Individual Name on File
Mailing Address	25 VINE ST, A, VIBURNUM, MO 65566-8668
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Dec 19, 2018	Deed of Trust, Mortgage · Line of Credit FIRST ST CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2015 · Amount on File
Deed Sale	Oct 13, 2015 · Amount on File
Deed Document Number	201533353
Last Transfer Date	Nov 29, 2016
Transfer Doc	0000041817
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jun 30, 2021
Property Address	104 LYDIA, FESTUS, MO 63028-3092
Document Number	2021R028494
Instrument Date	Jun 28, 2021
Instrument	2021R-028494
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 329, PEVELY, MO 63070-0329

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 AWINE STREET, VIBURNUM, MO 65566

Mortgage

Document Number	2021R028495
Date	Jun 30, 2021
Instrument	2021R-028495

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	104 LYDIA, FESTUS, MO 63028-3092
Document Number	0000038994
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	152 SAINT BENEDICT PEVELY MO 630701659, PEVELY, MO 63070-1659

Mortgage

Document Number	0000038994
Date	Dec 28, 2018
Instrument	38994

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	DESOTO, MO 63020

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 104 Lydia was $1,507, up 11.4% from the year before.

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		$25,600 (-) Land $2,700 Building $22,900	$134,700 (-) Land $14,400 Building $120,300
2025	$1,507.00 (+11.38%)	$25,600 Land $2,700 Building $22,900	$134,700 (-) Land $14,400 Building $120,300
2024	$1,353.00 (+0.52%)		$134,700 (+14.64%) Land $14,400 Building $120,300
2023	$1,346.00	$22,300 Land $2,700 Building $19,600	$117,500 Land $14,400 Building $103,100

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 104 Lydia in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 104 Lydia is low, with a 0.03% annual chance of 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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