11215 Cathy Dr, Festus, MO 63028 Property Records

Jefferson County property record for 11215 Cathy Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1,420 sqft · built 2017
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,177 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`182.009.00000038`

Property Details

APN / Parcel Number

Primary APN	`182.009.00000038`
Alternative APN	`1820090 038`

Interior

Stories	1 Story
Building Area	1,420 sqft Living Area
1st Floor Area	1,420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Lot Area	148,104 sqft
Garage Area	1,040 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	11215 CATHY DR
City	FESTUS
State	MO
Zip	63028-3378
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR2
Legal Description	RIVERS BEND 2 LOT 27
Legal Range	5E
Legal Township	40N
Legal Section	09
Legal Subdivision	RIVERS BEND 2
Legal Block	4
Legal Lot Number	27
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4032
Census Tract	700900

Owner

11215 Cathy Dr is owned and occupied by two individuals who acquired it in April 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	11215 CATHY DR, FESTUS, MO 63028-3378
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
Jun 14, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Mar 28, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Feb 22, 2018	Loan Modification, Mortgage OZARKS FED'L S&L ASSN
Jun 27, 2017	Deed of Trust, Mortgage OZARKS FED'L S&L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2016
Deed Sale	Apr 18, 2016
Deed Document Number	201611012
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	11215 CATHY DR, FESTUS, MO 63028-3378
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R025543
Date	Jun 14, 2021
Instrument	2021R-025543

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	11215 CATHY DR, FESTUS, MO 63028-3378
Document Number	0000009148
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	HILLSBOROUGH TITLE INC, HTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11215 CATHY DR FESTUS MO 630283378, FESTUS, MO 63028-3378

Mortgage

Document Number	0000009148
Date	Apr 4, 2019
Instrument	9148

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2049

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JEFFERSON MO
Property Address	11215 CATHY DR, FESTUS, MO 63028-3378
Document Number	0000007502
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11215 CATHY DR FESTUS MO 63028, FESTUS, MO 63028

Mortgage

Document Number	0000007502
Date	Mar 13, 2018
Instrument	7502

Lender

Name	OZARKS FED'L S&L ASSN
Address	FARMINGTON, MO 63640

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2048

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	11215 CATHY DR, FESTUS, MO 63028-3378
Document Number	0000024790
Instrument Date	Jun 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11215 CATHY DR FESTUS MO 63028, FESTUS, MO 63028

Mortgage

Document Number	0000024790
Date	Aug 11, 2017
Instrument	24790

Lender

Name	OZARKS FED'L S&L
Type	Federal Savings Bank
Address	FARMINGTON, MO 63640

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 11215 Cathy Dr was $2,177, up 5.2% 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		$39,600 (+7.61%) Land $4,500 Building $35,100	$208,700 (+7.74%) Land $23,900 Building $184,800
2025	$2,177.00 (+5.17%)	$36,800 Land $4,500 Building $32,300	$193,700 (-) Land $23,900 Building $169,800
2024	$2,070.00 (+0.53%)		$193,700 (+8.7%) Land $23,900 Building $169,800
2023	$2,059.00	$33,800 Land $4,500 Building $29,300	$178,200 Land $23,900 Building $154,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 11215 Cathy Dr 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	4 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 11215 Cathy Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% 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	JEFFERSON COUNTY PWSD 5 serves 8,000 people · EPA ID MO6024296
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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