1648 Bermuda Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1648 Bermuda Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,881 sqft · built 2004
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,900 (Mar 2019)
Tax Bill	$2,514 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-1.0-12.0-0-005-013.46`

Property Details

APN / Parcel Number

Primary APN	`18-1.0-12.0-0-005-013.46`
Alternative APN	`1810120 00501346`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,881 sqft Living Area
Gross Area	2,301 sqft
1st Floor Area	1,254 sqft
Basement Area	627 sqft
Finished Basement	627 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Open Frame Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1648 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 46
Legal Range	5E
Legal Township	40N
Legal Section	12
Legal Subdivision	TANGLEWOOD ESTS 1
Legal Block	4
Legal Lot Number	46
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4024
Census Tract	700900

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1648 BERMUDA DR, FESTUS, MO 63028-5624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 28, 2019	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2019 · Amount on Record
Deed Sale	Mar 28, 2019 · Amount on Record
Prior Sale	Apr 4, 2016 · Amount on Record
Deed Document Number	20198273
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1648 BERMUDA DR, FESTUS, MO 63028-5624
Transaction Type	Mortgage
Record Updated	Feb 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	021R005641
Date	Feb 5, 2021
Instrument	2021R-005641

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Mar 28, 2019
Property Address	1648 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000008273
Instrument Date	Mar 27, 2019
Instrument	8273
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1648 BERMUDA DR FESTUS MO 630285624, FESTUS, MO 63028-5624

Mortgage

Document Number	8274
Date	Mar 28, 2019
Instrument	8274

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2049

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		$45,800 (-) Land $8,800 Building $37,000	$240,700 (-) Land $46,200 Building $194,500
2025	$2,514.00 (+11.88%)	$45,800 (+14.79%) Land $8,800 Building $37,000
2024			$240,700 (+14.78%) Land $46,200 Building $194,500
2023	$2,247.00	$39,900 Land $8,800 Building $31,100	$209,700 Land $46,200 Building $163,500

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

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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