Jefferson County property record for 10965 Bailey School Rd, Festus, MO 63028
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,842 sqft · built 1975 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $226,800 (Nov 2020) |
| Tax Bill | $2,084 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-1.0-02.0-0-000-044.10 |
| Primary APN | 18-1.0-02.0-0-000-044.10 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,842 sqft Living Area |
| 1st Floor Area | 1,842 sqft |
| Basement Area | 1,317 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 40,511 sqft (0.93 acres) |
| Garage Type | Detached |
| Garage Area | 616 sqft |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | Deck Area |
| Patio Area | 450 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 10965 BAILEY SCHOOL RD |
|---|---|
| City | FESTUS |
| State | MO |
| Zip | 63028-3154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CT1 |
| Legal Description | BAILEY STATION LOT 32 |
| Legal Range | 5E |
| Legal Township | 40N |
| Legal Section | 02 |
| Legal Subdivision | BAILEY STATION |
| Legal Block | 2 |
| Legal Lot Number | 32 |
| Jurisdiction | JEFFERSON MO |
| Township / Civil Division | RIVER VIEW |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 700801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 10965 BAILEY SCHOOL RD, FESTUS, MO 63028-3154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 1, 2024 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Nov 4, 2020 | Warranty Deed, Transfer AMERICAN FINANCING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2020 · Amount on Record |
| Deed Sale | Nov 4, 2020 · Amount on Record |
| Prior Sale | Feb 20, 2014 · Amount on Record |
| Deed Document Number | 202041990 |
| Prior Transfer Date | Apr 30, 2008 |
| Prior Transfer Doc | 2008R017640 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Property Address | 10965 BAILEY SCHOOL RD, FESTUS, MO 63028-3154 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 10965 BAILEY SCHOOL RD, FESTUS, MO 63028-3154 |
| Document Number | 0000002297 |
|---|---|
| Date | Feb 1, 2024 |
| Instrument | 2024R-002297 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 25, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON MO |
| Recording Date | Nov 4, 2020 |
| Property Address | 10965 BAILEY SCHOOL RD, FESTUS, MO 63028-3154 |
| Document Number | 0000041990 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 41990 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1444 SAILCREST CT FORT COLLINS CO 805263049, FORT COLLINS, CO 80526-3049 |
| Document Number | 41991 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 41991 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 3, 2050 |
Source: Jefferson County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Jefferson County |
| Municipality | Festus City |
| Unified School District | Festus R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $39,400 (-) Land $9,600 Building $29,800 | $207,400 (-) Land $50,600 Building $156,800 | |
| 2025 | $2,084.00 (+0.05%) | $39,400 (+7.07%) Land $9,600 Building $29,800 | $207,400 (-) Land $50,600 Building $156,800 |
| 2024 | $2,083.00 (+0.48%) | $207,400 (+6.91%) Land $50,600 Building $156,800 | |
| 2023 | $2,073.00 | $36,800 Land $9,600 Building $27,200 | $194,000 Land $50,600 Building $143,400 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (2009–2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2014 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FESTUS PWS serves 13,000 people · EPA ID MO6010276 |
|---|---|
| Water Source | Purchased groundwater influenced by surface water from JEFFERSON COUNTY WATER AUTHORITY |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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