2125 Harness Rd, Festus, MO 63028 Property Records

Jefferson County property record for 2125 Harness Rd, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,298 sqft · built 1984
Lot Size	4.08 acres (178,160 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,729 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`223.105.00000007`

Property Details

APN / Parcel Number

Primary APN	`223.105.00000007`
Alternative APN	`2231050 007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,298 sqft Living Area
1st Floor Area	1,484 sqft
Basement Area	814 sqft
Finished Basement	814 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Lot Area	178,160 sqft
Garage Type	Detached
Garage Area	576 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2125 HARNESS RD
City	FESTUS
State	MO
Zip	63028-5426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR2
Legal Description	BRIDLEWOOD 1 PT TRACT 2
Legal Subdivision	BRIDLEWOOD 1
Legal Tract	2
Legal Block	3
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	3
Census Block	3030
Census Tract	701404

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	2125 HARNESS RD, FESTUS, MO 63028-5426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Line of Credit VANTAGE CU
Mar 31, 2023	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 31, 2023
Transfer Doc	0000007671
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	2125 HARNESS RD, FESTUS, MO 63028-5426
Transaction Type	Mortgage
Record Updated	Apr 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2125 HARNESS RD, FESTUS, MO 63028-5426

Mortgage

Document Number	0000039299
Date	Sep 7, 2021
Instrument	2021R-039299

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 31, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JEFFERSON MO
Recording Date	Mar 31, 2023
Property Address	2125 HARNESS RD, FESTUS, MO 63028-5426
Document Number	0000007670
Map Reference	MB 77 PG 12
Instrument Date	Mar 31, 2023
Instrument	2023R-007670
Transaction Type	Transfer
Record Updated	Apr 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32449 BARCLAY LOOP, IONIA, MO 65335

Tax Assessment & Valuation

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		$29,100 (-) Land $3,200 Building $25,900	$153,200 (-) Land $17,000 Building $136,200
2025	$1,729.00 (+1.05%)	$29,100 (+8.58%) Land $3,200 Building $25,900
2024			$153,200 (+8.58%) Land $17,000 Building $136,200
2023	$1,711.00	$26,800 Land $3,200 Building $23,600	$141,100 Land $17,000 Building $124,100

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

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	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

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	0.05% 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 8 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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