1631 Saddle Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1631 Saddle Dr, Festus, MO 63028

Property Summary

Property Type	Vacant Land
Lot Size	4.46 acres (194,278 sqft)
Owner	Individual Name on File
Tax Bill	$195 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-5.0-16.0-0-000-023.01`

Property Details

APN / Parcel Number

Primary APN	`18-5.0-16.0-0-000-023.01`

Exterior

Lot Area	194,278 sqft

Location & Zoning

Street Address	1631 SADDLE DR
City	FESTUS
State	MO
Zip	63028-3372
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	BRIDLE PATH ESTS LOT 20
Legal Range	5E
Legal Township	40N
Legal Section	16
Legal Subdivision	BRIDLE PATH ESTS
Legal Block	4
Legal Lot Number	20
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4032
Census Tract	700900

Owner

1631 Saddle Dr, vacant land, is owned by an individual who acquired it in February 2018.

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	Individual Name on File
Mailing Address	1619 SADDLE DR, FESTUS, MO 63028-3372
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage OZARKS FSLA
Jul 2, 2020	Deed of Trust, Mortgage FAMILY FIN MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2018
Deed Sale	Feb 26, 2018
Deed Document Number	20185747
Prior Transfer Date	Feb 20, 2018
Prior Transfer Doc	0000005747
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1631 SADDLE DR, FESTUS, MO 63028-3372
Transaction Type	Mortgage
Record Updated	Mar 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1619 SADDLE DR, FESTUS, MO 63028-3372

Mortgage

Document Number	0000005747
Date	Mar 10, 2023
Instrument	2023R-005747

Lender

Name	OZARKS FSLA
Type	Bank
Address	FARMINGTON, MO 63640

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	7.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	13.5%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1631 SADDLE DR, FESTUS, MO 63028-3372
Document Number	0000024118
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	VISION TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1619 SADDLE DR FESTUS MO 630283372, FESTUS, MO 63028-3372

Mortgage

Document Number	0000024118
Date	Jul 9, 2020
Instrument	24118

Lender

Name	FAMILY FIN MTG
Type	Mortgage Company
Address	ARNOLD, MO 63010

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 8, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1631 Saddle Dr was $195, down 3.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Festus R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$3,300 (-) Land $3,300	$17,600 (-) Land $17,600
2025	$195.00 (-3.47%)	$3,300 Land $3,300	$17,600 (-) Land $17,600
2024	$202.00 (+0.5%)		$17,600 (-) Land $17,600
2023	$201.00	$3,300 Land $3,300	$17,600 Land $17,600

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

Flood

FEMA maps place 1631 Saddle Dr 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	4 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
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 1631 Saddle Dr is low, with a 0.05% 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	0.05% 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 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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