1644 Bermuda Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1644 Bermuda Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,670 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Tax Bill	$2,608 (2023)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-1.0-12.0-0-005-013.48`

Property Details

APN / Parcel Number

Primary APN	`18-1.0-12.0-0-005-013.48`
Alternative APN	`1810120 00501348`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,670 sqft Living Area
1st Floor Area	1,670 sqft
Basement Area	1,085 sqft
Finished Basement	1,085 sqft

Exterior

Year Built	Built 2003
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	440 sqft
Porch	Porch
Porch Area	36 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Old Parcel Number	1810120 00501348
Street Address	1644 BERMUDA DR
City	FESTUS
State	MO
Zip	63028-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	TANGLEWOOD ESTS 1 LOT 48
Legal Range	05
Legal Township	40
Legal Section	12
Legal Subdivision	TANGLEWOOD ESTS 1
Legal Lot Number	48
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4024
Census Tract	700900

Owner

Source: Jefferson County records, as of November 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1644 BERMUDA DR, FESTUS, MO 63028-5624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage HAWTHORN BANK
Aug 10, 2018	Warranty Deed, Transfer · Conventional Mortgage SIMMONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2018
Deed Sale	Aug 10, 2018
Prior Sale	Mar 23, 2004
Deed Document Number	2018R-024251
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1644 BERMUDA DR, FESTUS, MO 63028-5624
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013521
Date	Apr 22, 2020
Instrument	2020R-013521

Lender

Name	HAWTHORN BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Aug 10, 2018
Property Address	1644 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000024251
Map Reference	MB206 PG6-9
Instrument Date	Aug 9, 2018
Instrument	2018R-024251
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10597 GLEN OAKS DR, 10597, FESTUS, MO 63028-3136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1644 BERMUDA DR, FESTUS, MO 63028-5624

Mortgage

Document Number	0000024252
Date	Aug 10, 2018
Instrument	2018R-024252

Lender

Name	SIMMONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of May 31, 2025

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
2025		$52,900 (+14.25%) Land $8,800 Building $44,100
2024			$278,100 (+14.21%) Land $46,200 Building $231,900
2023	$2,608.00	$46,300 Land $8,800 Building $37,500	$243,500 Land $46,200 Building $197,300

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	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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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