12324 State Rd TT, Festus, MO 63028 Property Records

Jefferson County property record for 12324 State Rd TT, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1 ba · 928 sqft · built 1964
Lot Size	2.03 acres (88,862 sqft)
Owner	Individual Name on File
Last Sale	$93,499 (Jan 2025)
Tax Bill	$1,035 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`198.028.00000015`

Property Details

APN / Parcel Number

Primary APN	`198.028.00000015`
Alternative APN	`1980280 015`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	928 sqft
Basement Area	928 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	88,862 sqft

Exterior Amenities

Porch	Enclosed Frame Porch
Porch Area	392 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12324 STATE ROAD TT
City	FESTUS
State	MO
Zip	63028-4395
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	KEENEYS LOT 1
Legal Range	6E
Legal Township	40N
Legal Section	28
Legal Subdivision	KEENEYS
Legal Block	3
Legal Lot Number	1
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	3
Census Block	3016
Census Tract	701404

Owner

12324 State Rd TT is owned and occupied by an individual who bought it in January 2025.

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

Owner of Record	Individual Name on File
Mailing Address	12324 STATE ROAD TT, FESTUS, MO 63028-4395
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 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 10, 2017	Quit Claim Deed, Transfer CONTINENTAL, CONTINENTAL TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2025 · Amount on File
Deed Sale	Jan 9, 2025 · Amount on File
Deed Document Number	2025490
Prior Transfer Date	Jan 23, 2017
Prior Transfer Doc	0000007309
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	12324 STATE ROAD TT, FESTUS, MO 63028-4395
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12324 STATE ROAD TT, FESTUS, MO 63028-4395

Mortgage

Document Number	0000040382
Date	Sep 14, 2021
Instrument	2021R-040382

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Mar 10, 2017
Property Address	12324 STATE ROAD TT, FESTUS, MO 63028-4395
Document Number	0000007309
Instrument Date	Jan 23, 2017
Instrument	7309
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12324 STATE ROAD TT FESTUS MO 630284395, FESTUS, MO 63028-4395

Tax Assessment & Valuation

The 2025 property tax bill for 12324 State Rd TT was $1,035, up 7.3% from the year before.

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		$16,300 (-) Land $2,800 Building $13,500	$85,300 (-) Land $14,800 Building $70,500
2025	$1,035.00 (+7.25%)	$16,300 Land $2,800 Building $13,500	$85,300 (-) Land $14,800 Building $70,500
2024	$965.00 (+0.1%)		$85,300 (+7.97%) Land $14,800 Building $70,500
2023	$964.00	$15,100 Land $2,800 Building $12,300	$79,000 Land $14,800 Building $64,200

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 12324 State Rd TT in Zone X, an area of minimal flood risk, though there have been 3 flood claims 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	3 (2015–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 2 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 12324 State Rd TT 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 82 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Lightwave Communications, Wisper ISP.

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