1110 Cliff Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1110 Cliff Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1 ba · 874 sqft · built 1938
Lot Size	0.31 acres (13,499 sqft)
Owner	Individual Name on File
Last Sale	$42,200 (Apr 1999)
Tax Bill	$677 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`181.001.01003009`

Property Details

APN / Parcel Number

Primary APN	`181.001.01003009`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	874 sqft Living Area
1st Floor Area	874 sqft
Basement Area	874 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	13,499 sqft (0.31 acres)
Lot Dimensions	218 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	220 sqft
Porch	Open Frame Porch
Porch Area	32 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1110 CLIFF DR
City	FESTUS
State	MO
Zip	63028-1033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	BLUFF CITY PT LOT 43
Legal Range	5E
Legal Township	40N
Legal Section	01
Legal Subdivision	BLUFF CITY
Legal Block	1
Legal Lot Number	43
Jurisdiction	JEFFERSON MO
Township / Civil Division	RIVER VIEW
Census Block Group	1
Census Block	1034
Census Tract	700802

Owner

1110 Cliff Dr is owned and occupied by an individual who bought it in April 1999.

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

Owner of Record	Individual Name on File
Mailing Address	1110 CLIFF DR, FESTUS, MO 63028-1033
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 8, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Nov 20, 2018	Loan Modification, Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 1999 · Amount on File
Deed Sale	Apr 22, 1999 · Amount on File
Prior Sale	Apr 8, 1997
Deed Book / Page	918 / 174
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1110 CLIFF DR, FESTUS, MO 63028-1033
Transaction Type	Mortgage
Record Updated	Aug 19, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 CLIFF DR, FESTUS, MO 63028-1033

Mortgage

Document Number	0000026004
Date	Aug 8, 2022
Instrument	2022R-026004

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Dec 1, 2048

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JEFFERSON MO
Property Address	1110 CLIFF DR, FESTUS, MO 63028-1033
Document Number	0000001163
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 CLIFF DR FESTUS MO 630281033, FESTUS, MO 63028-1033

Mortgage

Document Number	0000001163
Date	Jan 11, 2019
Instrument	1163

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2049

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1110 Cliff Dr was $677, up 26.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$9,800 (-) Land $1,100 Building $8,700	$51,300 (-) Land $5,600 Building $45,700
2025	$677.00 (+26.07%)	$9,800 Land $1,100 Building $8,700	$51,300 (-) Land $5,600 Building $45,700
2024	$537.00 (-18.64%)		$51,300 (+3.43%) Land $5,600 Building $45,700
2023	$660.00	$9,500 Land $1,100 Building $8,400	$49,600 Land $5,600 Building $44,000

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 1110 Cliff Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.

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 Claims	4 (1993–2003)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2003 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 3 claims

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 1110 Cliff Dr is low, with a 0.02% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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