1901 Harness Rd, Festus, MO 63028 Property Records

Jefferson County property record for 1901 Harness Rd, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1,256 sqft · built 1980
Lot Size	5.01 acres (218,671 sqft)
Owner	Individual Name on File
Tax Bill	$2,439 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`222.104.00000077`

Property Details

APN / Parcel Number

Primary APN	`222.104.00000077`

Interior

Stories	2 Stories
Building Area	1,256 sqft Living Area
Gross Area	1,828 sqft
Basement Area	256 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	218,671 sqft
Garage Type	Attached
Garage Area	572 sqft

Exterior Amenities

Pool Area	800 sqft
Porch	Open Frame Porch
Porch Area	64 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1901 HARNESS RD
City	FESTUS
State	MO
Zip	63028-5428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT US SURVEY 2158
Legal Range	6E
Legal Township	39N
Legal Section	04
Legal Subdivision	US SURV 2158
Legal Block	3
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	3
Census Block	3030
Census Tract	701404

Owner

1901 Harness Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1901 HARNESS RD, FESTUS, MO 63028-5428
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
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit BLOOMSDALE BANK
Aug 7, 2018	Warranty Deed, Transfer · FHA Mortgage GUILD MTG
Feb 10, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Recording Date	Jun 24, 2026
Property Address	1901 HARNESS RD, FESTUS, MO 63028-5428
Document Number	0000016964
Instrument Date	Jun 11, 2026
Instrument	202616964
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	HILLSBORO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 HARNESS RD, FESTUS, MO 63028-5428

Mortgage

Document Number	0000016964,
Date	Jun 24, 2026
Instrument	202616964

Lender

Name	BLOOMSDALE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Aug 7, 2018
Property Address	1901 HARNESS RD, FESTUS, MO 63028-5428
Document Number	0000024006
Instrument Date	Jul 26, 2018
Instrument	24006
Transaction Type	Transfer
Record Updated	Jan 15, 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
Address	1901 HARNESS RD FESTUS MO 630285428, FESTUS, MO 63028-5428

Mortgage

Document Number	24007
Date	Aug 7, 2018
Instrument	24007

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 6, 2048

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1901 HARNESS RD, FESTUS, MO 63028-5428
Document Number	0000005077
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Feb 21, 2017
Title Company	TITLE SOURCES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 HARNESS RD FESTUS MO 630285428, FESTUS, MO 63028-5428

Mortgage

Document Number	0000005077
Date	Feb 16, 2017
Instrument	5077

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1901 Harness Rd was $2,439.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Elementary School District	Jefferson County R-VII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$38,400 (-) Land $1,400 Building $37,000	$201,900 Land $7,400 Building $194,500
2025	$2,439.00	$38,400 Land $1,400 Building $37,000
2024			$201,900 (+7.79%) Land $7,400 Building $194,500
2023	$2,274.00	$35,600 Land $1,400 Building $34,200	$187,300 Land $7,400 Building $179,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1901 Harness Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (2015–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 2 claims

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 1901 Harness Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% 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	JEFFERSON COUNTY PWSD 12 serves 3,300 people · EPA ID MO6024304
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	1 ppb (2024–2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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