12374 State Rd CC, Festus, MO 63028 Property Records

Jefferson County property record for 12374 State Rd CC, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,512 sqft · built 1963
Lot Size	5.66 acres (246,550 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,102 (2025)
Deeds & Mortgages	Dec 2023 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`186.023.00000074`

Property Details

APN / Parcel Number

Primary APN	`186.023.00000074`
Alternative APN	`1860230 074`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Lot Area	246,550 sqft
Porch	Open Frame Porch
Porch Area	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12374 STATE ROAD CC
City	FESTUS
State	MO
Zip	63028-3681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	SE1/4 SE FRL1/4
Legal Range	5E
Legal Township	40N
Legal Section	23
Legal Block	4
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	4
Census Block	4040
Census Tract	701404

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4610 HIGHWAY Y, VALLES MINES, MO 63087-1239
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage OZARKS FSLA
May 23, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage OZARKS FSLA
Mar 1, 2017	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2024
Deed Sale	Jul 11, 2024
Prior Sale	May 23, 2022 · Amount on Record
Deed Document Number	202416785
Prior Transfer Date	Jun 12, 2024
Prior Transfer Doc	0000016785
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	12374 STATE ROAD CC, FESTUS, MO 63028-3681
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031940
Date	Dec 27, 2023
Instrument	2023R-031940

Lender

Name	OZARKS FSLA
Type	Bank
Address	FARMINGTON, MO 63640

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	7.75%
Max Rate At Change	9.75%
Index	12-Month MTA
Max Rate	13.7%

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	May 23, 2022
Property Address	12374 STATE ROAD CC, FESTUS, MO 63028-3681
Document Number	0000017133
Map Reference	MB 0919 PG935
Instrument Date	May 18, 2022
Instrument	2022R-017133
Transaction Type	Transfer
Record Updated	Jun 3, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12374 STATE ROAD CC, FESTUS, MO 63028-3681

Mortgage

Document Number	0000017134
Date	May 23, 2022
Instrument	2022R-017134

Lender

Name	OZARKS FSLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	9.5%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Mar 1, 2017
Property Address	12374 STATE ROAD CC, FESTUS, MO 63028-3681
Document Number	0000006203
Instrument Date	Feb 28, 2017
Instrument	6203
Transaction Type	Transfer
Record Updated	Mar 7, 2017
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12374 STATE ROAD CC FESTUS MO 630283681, FESTUS, MO 63028-3681

Mortgage

Document Number	6204
Date	Mar 1, 2017
Instrument	6204

Lender

Name	CORNERSTONE MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	De Soto 73 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$19,700 (-) Land $2,900 Building $16,800	$104,700 (-) Land $16,300 Building $88,400
2025	$1,102.00 (+6.37%)	$19,700 (+9.44%) Land $2,900 Building $16,800	$104,700 (-) Land $16,300 Building $88,400
2024	$1,036.00 (+1.77%)		$104,700 (+10.44%) Land $16,300 Building $88,400
2023	$1,018.00	$18,000 Land $6,200 Building $11,800	$94,800 Land $32,600 Building $62,200

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	3 in force

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	0.03% 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 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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