1123 Highgate Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1123 Highgate Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	3,525 sqft · built 2020
Lot Size	1.38 acres (60,548 sqft)
Owner	2 Individual Names on File
Last Sale	$480,000 (Aug 2020)
Tax Bill	$5,836 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-4.0-20.0-0-000-041.15`

Property Details

APN / Parcel Number

Primary APN	`19-4.0-20.0-0-000-041.15`
Alternative APN	`1940200 04115`

Interior

Stories	1 Story
Building Area	3,525 sqft Living Area
Gross Area	4,376 sqft
1st Floor Area	2,350 sqft
Basement Area	1,175 sqft
Finished Basement	1,175 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Frame
Lot Area	60,548 sqft
Garage Type	Attached
Garage Area	851 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1123 HIGHGATE DR
City	FESTUS
State	MO
Zip	63028-4098
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	SOUTHFIELD ESTS LOT 15
Legal Range	6E
Legal Township	40N
Legal Section	20
Legal Subdivision	SOUTHFIELD ESTS
Legal Block	1
Legal Lot Number	15
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	1
Census Block	1001
Census Tract	701404

Owner

1123 Highgate Dr is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1123 HIGHGATE DR, FESTUS, MO 63028-4098
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
Sep 7, 2022	Deed of Trust, Mortgage VANTAGE CU
Aug 27, 2020	Warranty Deed, Transfer GERSHMAN MTG
Jan 28, 2020	Deed of Trust, Construction Loan · Construction Mortgage CARROLLTON BK
Sep 4, 2018	Warranty Deed, Transfer CONTINENTAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2020 · Amount on File
Deed Sale	Aug 27, 2020 · Amount on File
Prior Sale	Sep 4, 2018
Deed Document Number	202031356
Prior Transfer Date	Sep 3, 2013
Prior Transfer Doc	0000036624
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1123 HIGHGATE DR, FESTUS, MO 63028-4098
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029616
Date	Sep 7, 2022
Instrument	2022R-029616

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 14, 2037

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Aug 27, 2020
Property Address	1123 HIGHGATE DR, FESTUS, MO 63028-4098
Document Number	0000031356
Instrument Date	Aug 19, 2020
Instrument	31356
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1123 HIGHGATE DR FESTUS MO 63028, FESTUS, MO 63028

Mortgage

Document Number	31357
Date	Aug 27, 2020
Instrument	31357

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2050

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Recording Date	Jan 28, 2020
Property Address	1123 HIGHGATE DR, FESTUS, MO 63028-4098
Document Number	0000003424
Instrument Date	Jan 22, 2020
Instrument	3424
Transaction Type	Construction Loan
Record Updated	Feb 7, 2020
Title Company	HILLSBORO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11710 MANCHESTER RD ST LOUIS MO 631314614, ST LOUIS, MO 63131-4614

Mortgage

Document Number	0000003424
Date	Jan 28, 2020
Instrument	3424

Lender

Name	CARROLLTON BK
Type	Bank
Address	SAINT LOUIS, MO 63131

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 27, 2021

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Sep 4, 2018
Property Address	1123 HIGHGATE DR, FESTUS, MO 63028-4098
Document Number	0000026984
Instrument Date	Sep 4, 2018
Instrument	26984
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	CONTINENTAL

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	858 N WOODLAWN AVE KIRKWOOD MO 631222946, KIRKWOOD, MO 63122-2946

Tax Assessment & Valuation

The 2025 property tax bill for 1123 Highgate Dr was $5,836.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Elementary School District	Jefferson County R-VII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$92,300 (-) Land $13,400 Building $78,900	$485,400 Land $70,400 Building $415,000
2025	$5,836.00	$92,300 Land $13,400 Building $78,900
2024			$485,400 (+4.25%) Land $70,400 Building $415,000
2023	$5,604.00	$88,500 Land $13,400 Building $75,100	$465,600 Land $70,400 Building $395,200

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 1123 Highgate 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	2 in force
Nearby Flood Claims	1 (2015)
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 1123 Highgate Dr 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 63% of the US · lower than 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEFFERSON COUNTY PWSD 12 serves 3,300 people · EPA ID MO6024304
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Wisper ISP.

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