12 Main St, Festus, MO 63028 Property Records

Jefferson County property record for 12 Main St, Festus, MO 63028

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 ba · 5,220 sqft · built 1920
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Nov 2018)
Tax Bill	$4,757 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`193.006.04035003`

Property Details

APN / Parcel Number

Primary APN	`193.006.04035003`

Interior

Full Baths	1 Bath
Building Area	5,220 sqft Gross Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	4,356 sqft (0.1 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	12 MAIN ST
City	FESTUS
State	MO
Zip	63028-1903
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CT1
Legal Description	ADAMS WM J PT LOT 1 BLOCK 32
Legal Subdivision	ADAMS WM J
Legal Block	32
Legal Lot Number	1
Jurisdiction	JEFFERSON MO
Township / Civil Division	RIVER VIEW
Census Block Group	2
Census Block	2003
Census Tract	700900

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	Company Name on Record
Mailing Address	10553 VICTORIA FALLS DR, FESTUS, MO 63028-4777
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE COMMUNITY BANK
Nov 27, 2018	Warranty Deed, Transfer · Line of Credit FIRST ST CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2018 · Amount on Record
Deed Sale	Nov 27, 2018 · Amount on Record
Prior Sale	Nov 9, 2015 · Amount on Record
Deed Document Number	201835875
Prior Transfer Date	Nov 14, 2000
Prior Transfer Doc	1032000904
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	12 MAIN ST, FESTUS, MO 63028-1903
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R013874
Date	Mar 30, 2021
Instrument	2021R-013874

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Nov 27, 2018
Property Address	12 MAIN ST, FESTUS, MO 63028-1903
Document Number	0000035875
Instrument Date	Nov 20, 2018
Instrument	35875
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12 MAIN ST FESTUS MO 630281903, FESTUS, MO 63028-1903

Mortgage

Document Number	35876
Date	Nov 27, 2018
Instrument	35876

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	IMPERIAL, MO 63052

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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		$83,400 (-) Land $5,800 Building $77,600	$279,200 (-) Land $18,000 Building $261,200
2025	$4,757.00 (+7.26%)	$83,400 (+10.46%) Land $5,800 Building $77,600	$279,200 (-) Land $18,000 Building $261,200
2024	$4,435.00 (+0.48%)		$279,200 (+10.01%) Land $18,000 Building $261,200
2023	$4,414.00	$75,500 Land $5,800 Building $69,700	$253,800 Land $18,000 Building $235,800

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	113 (1979–2018)
Claims Outside the SFHA	29 of 113
Most Recent Claim	Sep 2018 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2009 · 9 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 18 claims Severe Storms & Flooding, Sep 1993 · 29 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

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	0.01% annual chance
Exposure	None beyond ember reach

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 471 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Wisper ISP.

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