1646 Bermuda Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1646 Bermuda Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,726 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$290,600 (Jul 2021)
Tax Bill	$2,859 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1.0-12.0-0-005-013.47`

Property Details

APN / Parcel Number

Primary APN	`18-1.0-12.0-0-005-013.47`
Alternative APN	`1810120 00501347`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,734 sqft Living Area
Gross Area	3,154 sqft
1st Floor Area	1,726 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Open Frame Porch
Porch Area	80 sqft
Patio Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1646 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 47
Legal Range	5E
Legal Township	40N
Legal Section	12
Legal Subdivision	TANGLEWOOD ESTS 1
Legal Block	4
Legal Lot Number	47
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4024
Census Tract	700900

Owner

Source: Jefferson County records, as of October 13, 2026

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
Mailing Address	1646 BERMUDA DR, FESTUS, MO 63028-5624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 19, 2021	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Sep 13, 2019	Deed of Trust, Mortgage GUILD MTG
Jun 28, 2018	Warranty Deed, Transfer GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	202131283
Prior Transfer Date	Apr 29, 2004
Prior Transfer Doc	0000025245
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Recording Date	Sep 29, 2026
Property Address	1646 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000026909
Instrument Date	Sep 3, 2026
Instrument	202626909
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 BERMUDA DR, FESTUS, MO 63028-5624
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026909,
Date	Sep 29, 2026
Instrument	202626909

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Aug 1, 2051

Interest

Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jul 19, 2021
Property Address	1646 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	2021R031283
Map Reference	MB 206 PG 6-9
Instrument Date	Jul 15, 2021
Instrument	2021R-031283
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1813 HAWK POINTE DR, 1813, FESTUS, MO 63028-3152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1646 BERMUDA DR, FESTUS, MO 63028-5624
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R031284
Date	Jul 19, 2021
Instrument	2021R-031284

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1646 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000028646
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 3, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1646 BERMUDA DR FESTUS MO 630285624, FESTUS, MO 63028-5624

Mortgage

Document Number	0000028646
Date	Sep 18, 2019
Instrument	28646

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jun 28, 2018
Property Address	1646 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000019377
Instrument Date	Jun 25, 2018
Instrument	19377
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	US TITLE

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	1646 BERMUDA DR FESTUS MO 630285624, FESTUS, MO 63028-5624

Mortgage

Document Number	19378
Date	Jun 28, 2018
Instrument	19378

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	DAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2048

Tax Assessment & Valuation

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

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
2026		$52,100 (-) Land $8,800 Building $43,300	$274,000 (-) Land $46,200 Building $227,800
2025	$2,859.00 (+9.16%)	$52,100 (+12.04%) Land $8,800 Building $43,300
2024			$274,000 (+12.07%) Land $46,200 Building $227,800
2023	$2,619.00	$46,500 Land $8,800 Building $37,700	$244,500 Land $46,200 Building $198,300

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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