1656 Bermuda Dr, Festus, MO 63028 Property Records

Jefferson County property record for 1656 Bermuda Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 988 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$245,998 (Dec 2023)
Tax Bill	$2,536 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-1.0-12.0-0-005-013.42`

Property Details

APN / Parcel Number

Primary APN	`18-1.0-12.0-0-005-013.42`
Alternative APN	`1810120 00501342`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	988 sqft Living Area
Gross Area	1,583 sqft
Basement Area	295 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	300 sqft
Porch	Open Frame Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1656 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 42
Legal Range	5E
Legal Township	40N
Legal Section	12
Legal Subdivision	TANGLEWOOD ESTS 1
Legal Block	4
Legal Lot Number	42
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	4
Census Block	4024
Census Tract	700900

Owner

Source: Jefferson County records, as of May 7, 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	1656 BERMUDA DR, FESTUS, MO 63028-5624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Dec 22, 2023	Intrafamily Transfer, Transfer · VA Mortgage GUILD MORTGAGE CO
Jan 13, 2021	Deed of Trust, Mortgage MIDWEST BANKCENTRE
Jun 4, 2018	Quit Claim Deed, Mortgage · VA Mortgage MORTGAGE SOLUTIONS/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2023 · Amount on Record
Deed Sale	Dec 22, 2023 · Amount on Record
Prior Sale	Jun 4, 2018 · Amount on Record
Deed Document Number	202331770
Prior Transfer Date	Oct 30, 2012
Prior Transfer Doc	2013R000272
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Recording Date	Apr 24, 2026
Property Address	1656 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000010968
Instrument Date	Apr 18, 2026
Instrument	202610968
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1656 BERMUDA DR, FESTUS, MO 63028-5624

Mortgage

Document Number	0000010968,
Date	Apr 24, 2026
Instrument	202610968

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Dec 22, 2023
Property Address	1656 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000031770
Map Reference	MB 206 PG 6
Instrument Date	Dec 11, 2023
Instrument	2023R-031770
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1656 BERMUDA DR, FESTUS, MO 63028-5624

Mortgage

Document Number	0000031772
Date	Dec 22, 2023
Instrument	2023R-031772

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1656 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000002935
Instrument Date	Jan 13, 2021
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	LTITLE PARTNERS AGENCY LLC, LTITLE PARTNERS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1656 BERMUDA DR FESTUS MO 630285624, FESTUS, MO 63028-5624

Mortgage

Document Number	0000002935
Date	Jan 20, 2021
Instrument	2935

Lender

Name	MIDWEST BANKCENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

June 2018: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jun 4, 2018
Property Address	1656 BERMUDA DR, FESTUS, MO 63028-5624
Document Number	0000016295
Instrument Date	Jun 1, 2018
Instrument	16295
Transaction Type	Mortgage
Record Updated	Jul 3, 2018
Title Company	CONTINENTAL

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1656 BERMUDA DR FESTUS MO 630285624, FESTUS, MO 63028-5624

Mortgage

Document Number	16296
Date	Jun 4, 2018
Instrument	16296

Lender

Name	MORTGAGE SOLUTIONS/ST LOUIS
Type	Mortgage Company
Address	9849 MANCHESTER RD # 3, ST LOUIS, MO 63119-1200

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of September 29, 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		$50,100 (+11.83%) Land $8,800 Building $41,300	$263,400 (-) Land $46,200 Building $217,200
2024	$2,536.00 (+0.52%)		$263,400 (+11.8%) Land $46,200 Building $217,200
2023	$2,523.00	$44,800 Land $8,800 Building $36,000	$235,600 Land $46,200 Building $189,400

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

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	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

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