1126 Highgate Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1126 Highgate Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2,734 sqft · built 2022
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,140 (2025)
Deeds & Mortgages	May 2023 Mortgage Dec 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-4.0-20.0-0-000-041.10`

Property Details

APN / Parcel Number

Primary APN	`19-4.0-20.0-0-000-041.10`
Alternative APN	`1940200 04110`

Interior

Stories	1 Story
Building Area	2,734 sqft Living Area
Gross Area	3,137 sqft
1st Floor Area	2,734 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Lot Area	60,113 sqft
Garage Type	Attached
Garage Area	403 sqft
Total Buildings	2 Buildings

Location & Zoning

Street Address	1126 HIGHGATE DR
City	FESTUS
State	MO
Zip	63028-4097
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	SOUTHFIELD ESTS LOT 10
Legal Range	6E
Legal Township	40N
Legal Section	20
Legal Subdivision	SOUTHFIELD ESTS
Legal Block	1
Legal Lot Number	10
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	1
Census Block	1001
Census Tract	701404

Owner

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	2 Individual Names on Record
Mailing Address	1126 HIGHGATE DR, FESTUS, MO 63028-4097
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Dec 12, 2022	Intrafamily Transfer, Transfer
Feb 14, 2022	Intrafamily Transfer, Transfer · Construction Mortgage COMMERCE BANK
Jan 22, 2021	Warranty Deed, Transfer CONTINENTAL, CONTINENTAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2022
Deed Sale	Dec 12, 2022
Prior Sale	Feb 14, 2022 · Amount on Record
Deed Document Number	202239012
Prior Transfer Date	Dec 8, 2022
Prior Transfer Doc	0000039012
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1126 HIGHGATE DR, FESTUS, MO 63028-4097
Transaction Type	Mortgage
Record Updated	Feb 15, 2024
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 WILLIAMSBURG DR, CRYSTAL CITY, MO 63019-1261

Mortgage

Document Number	0000012717
Date	May 30, 2023
Instrument	2023R-012717

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	8.87%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Dec 12, 2022
Property Address	1126 HIGHGATE DR, FESTUS, MO 63028-4097
Document Number	0000039012
Map Reference	MB 24 PG 1
Instrument Date	Dec 8, 2022
Instrument	2022R-039012
Transaction Type	Transfer
Record Updated	Feb 15, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 MEADOW CHASE DR, FESTUS, MO 63028-1573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1126 HIGHGATE DRIVE, HOWARD, OH 43028

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Feb 14, 2022
Property Address	1126 HIGHGATE DR, FESTUS, MO 63028-4097
Document Number	0000005215
Map Reference	MB 204 PG 1
Instrument Date	Feb 7, 2022
Instrument	2022R-005215
Transaction Type	Transfer
Record Updated	Feb 15, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 WILLIAMSBURG DR, CRYSTAL CITY, MO 63019-1261

Mortgage

Document Number	0000005216
Date	Feb 14, 2022
Instrument	2022R-005216

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 7, 2023

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jan 22, 2021
Property Address	1126 HIGHGATE DR, FESTUS, MO 63028-4097
Document Number	0000003191
Instrument Date	Jan 22, 2021
Instrument	3191
Transaction Type	Transfer
Record Updated	Mar 25, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 MEADOW CHASE DR FESTUS MO 630281573, FESTUS, MO 63028-1573

Tax Assessment & Valuation

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		$97,100 (-) Land $13,400 Building $83,700	$510,800 (-) Land $70,400 Building $440,400
2025	$6,140.00 (+5.46%)	$97,100 (+33.56%) Land $13,400 Building $83,700	$510,800 (-) Land $70,400 Building $440,400
2024	$5,822.00 (+26.48%)		$510,800 (+33.54%) Land $70,400 Building $440,400
2023	$4,603.00	$72,700 Land $13,400 Building $59,300	$382,500 Land $70,400 Building $312,100

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

Flood

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

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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