1651 Bermuda Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1651 Bermuda Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,443 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Aug 2018)
Tax Bill	$2,530 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-1.0-12.0-0-005-013.31`

Property Details

APN / Parcel Number

Primary APN	`18-1.0-12.0-0-005-013.31`
Alternative APN	`1810120 00501331`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,443 sqft Living Area
Gross Area	1,843 sqft
1st Floor Area	1,443 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Open Frame Porch
Porch Area	20 sqft
Patio Area	338 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1651 BERMUDA DR
City	FESTUS
State	MO
Zip	63028-5626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	TANGLEWOOD ESTS 1 LOT 31
Legal Range	5E
Legal Township	40N
Legal Section	12
Legal Subdivision	TANGLEWOOD ESTS 1
Legal Block	4
Legal Lot Number	31
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4023
Census Tract	700900

Owner

1651 Bermuda Dr is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1651 BERMUDA DR, FESTUS, MO 63028-5626
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
Jan 20, 2021	Deed of Trust, Mortgage GUILD MTG
Sep 12, 2019	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Aug 3, 2018	Warranty Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2018 · Amount on File
Deed Sale	Aug 3, 2018 · Amount on File
Prior Sale	Jul 29, 2014 · Amount on File
Deed Document Number	201823530
Prior Transfer Date	Jun 14, 2013
Prior Transfer Doc	2013R025089
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1651 BERMUDA DR, FESTUS, MO 63028-5626
Document Number	0000003744
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1651 BERMUDA DR FESTUS MO 630285626, FESTUS, MO 63028-5626

Mortgage

Document Number	0000003744
Date	Jan 26, 2021
Instrument	3744

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1651 BERMUDA DR, FESTUS, MO 63028-5626
Document Number	0000028128
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1651 BERMUDA DR FESTUS MO 630285626, FESTUS, MO 63028-5626

Mortgage

Document Number	0000028128
Date	Sep 13, 2019
Instrument	28128

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Aug 3, 2018
Property Address	1651 BERMUDA DR, FESTUS, MO 63028-5626
Document Number	0000023530
Instrument Date	Jul 27, 2018
Instrument	23530
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	SELECT TITLE GROUP

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	1651 BERMUDA DR FESTUS MO 630285626, FESTUS, MO 63028-5626

Mortgage

Document Number	23531
Date	Aug 3, 2018
Instrument	23531

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1651 Bermuda Dr was $2,530, up 8.5% from the year before.

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		$46,100 (-) Land $8,800 Building $37,300	$242,600 (-) Land $46,200 Building $196,400
2025	$2,530.00 (+8.49%)	$46,100 Land $8,800 Building $37,300	$242,600 (-) Land $46,200 Building $196,400
2024	$2,332.00 (+0.52%)		$242,600 (+11.95%) Land $46,200 Building $196,400
2023	$2,320.00	$41,200 Land $8,800 Building $32,400	$216,700 Land $46,200 Building $170,500

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 1651 Bermuda 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 1651 Bermuda Dr is low, with a 0.02% annual chance of 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	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	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 175 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bermuda Dr

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