12774 State Rd TT, Festus, MO 63028 Property Records

Jefferson County property record for 12774 State Rd TT, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,684 sqft · built 1998
Lot Size	3.55 acres (154,638 sqft)
Owner	2 Individual Names on File
Last Sale	$265,500 (Aug 2018)
Tax Bill	$2,509 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-2.1-04.0-0-000-006.02`

Property Details

APN / Parcel Number

Primary APN	`22-2.1-04.0-0-000-006.02`
Alternative APN	`2221040 00602`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	1,684 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Masonry / Concrete Block
Lot Area	154,638 sqft
Garage Type	Attached
Garage Area	452 sqft
Porch	Open Frame Porch
Porch Area	357 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12774 STATE ROAD TT
City	FESTUS
State	MO
Zip	63028-4345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	MAHUE ACRES ADJ 1 PT LOT 1A
Legal Range	6E
Legal Township	39N
Legal Section	04
Legal Subdivision	MAHUE
Legal Block	1
Legal Lot Number	1A
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	1
Census Block	1005
Census Tract	701404

Owner

12774 State Rd TT is owned and occupied by two individuals who acquired it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12774 STATE ROAD TT, FESTUS, MO 63028-4345
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
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit OZARKS FSLA
Dec 9, 2021	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Jan 22, 2020	Deed of Trust, Mortgage US BK
Aug 2, 2018	Warranty Deed, Transfer US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2018 · Amount on File
Deed Sale	Aug 2, 2018 · Amount on File
Deed Document Number	201823451
Last Transfer Date	Sep 25, 2023
Transfer Doc	0000025221
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	12774 STATE ROAD TT, FESTUS, MO 63028-4345
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12774 STATE ROAD TT, FESTUS, MO 63028-4345

Mortgage

Document Number	0000032617
Date	Oct 5, 2022
Instrument	2022R-032617

Lender

Name	OZARKS FSLA
Type	Bank
Address	53640

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	12774 STATE ROAD TT, FESTUS, MO 63028-4345
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12774 STATE ROAD TT, FESTUS, MO 63028-4345

Mortgage

Document Number	0000052993
Date	Dec 9, 2021
Instrument	2021R-052993

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	239 Months
Due	Nov 12, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	12774 STATE ROAD TT, FESTUS, MO 63028-4345
Document Number	0000003369
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NETCO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12774 STATE ROAD TT FESTUS MO 630284345, FESTUS, MO 63028-4345

Mortgage

Document Number	0000003369
Date	Jan 28, 2020
Instrument	3369

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Aug 2, 2018
Property Address	12774 STATE ROAD TT, FESTUS, MO 63028-4345
Document Number	0000023451
Instrument Date	Jul 30, 2018
Instrument	23451
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	CONTINENTAL

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	12774 STATE ROAD TT FESTUS MO 630284345, FESTUS, MO 63028-4345

Mortgage

Document Number	23452
Date	Aug 2, 2018
Instrument	23452

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 12774 State Rd TT was $2,509.

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		$40,900 (+3.54%) Land $3,000 Building $37,900	$215,400 Land $15,800 Building $199,600
2025	$2,509.00	$39,500 Land $1,600 Building $37,900
2024			$208,200 (+8.95%) Land $8,600 Building $199,600
2023	$2,318.00	$36,300 Land $1,600 Building $34,700	$191,100 Land $8,600 Building $182,500

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 12774 State Rd TT 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 12774 State Rd TT is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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