1654 Bermuda Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1654 Bermuda Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,274 sqft · built 2005
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$169,800 (Dec 2014)
Tax Bill	$2,343 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-1.0-12.0-0-005-013.43`

Property Details

APN / Parcel Number

Primary APN	`18-1.0-12.0-0-005-013.43`
Alternative APN	`1810120 00501343`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	1,674 sqft
1st Floor Area	1,274 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Open Frame Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1654 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 43
Legal Range	5E
Legal Township	40N
Legal Section	12
Legal Subdivision	TANGLEWOOD ESTS 1
Legal Block	4
Legal Lot Number	43
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4024
Census Tract	700900

Owner

1654 Bermuda Dr is owned and occupied by two individuals who bought it in December 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	1654 BERMUDA DR, FESTUS, MO 63028-5624
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
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC
Jun 25, 2019	Deed of Trust, Mortgage · FHA Mortgage HOME LOAN EXPERT LLC
Dec 12, 2017	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2014 · Amount on File
Deed Sale	Dec 11, 2014 · Amount on File
Prior Sale	Dec 16, 2005 · Amount on File
Deed Document Number	201437019
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1654 BERMUDA DR, FESTUS, MO 63028-5624
Transaction Type	Mortgage
Record Updated	Mar 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1654 BERMUDA DR, FESTUS, MO 63028-5624

Mortgage

Document Number	0000007159
Date	Mar 2, 2022
Instrument	2022R-007159

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1654 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000018930
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	TITLE RESOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1654 BERMUDA DR FESTUS MO 630285624, FESTUS, MO 63028-5624

Mortgage

Document Number	0000018930
Date	Jul 1, 2019
Instrument	18930

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2049

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1654 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000040000
Instrument Date	Dec 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	COPPER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1654 BERMUDA DR FESTUS MO 630285624, FESTUS, MO 63028-5624

Mortgage

Document Number	0000040000
Date	Dec 20, 2017
Instrument	40000

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1654 Bermuda Dr was $2,343.

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		$42,700 (-) Land $8,800 Building $33,900	$224,800 Land $46,200 Building $178,600
2025	$2,343.00	$42,700 Land $8,800 Building $33,900
2024			$224,800 (+12.63%) Land $46,200 Building $178,600
2023	$2,135.00	$37,900 Land $8,800 Building $29,100	$199,600 Land $46,200 Building $153,400

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 1654 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 1654 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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