217 Garbarino St, Festus, MO 63028 Property Records

Jefferson County property record for 217 Garbarino St, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,143 sqft · built 1900
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Oct 2021)
Tax Bill	$1,042 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`193.006.04020011`

Property Details

APN / Parcel Number

Primary APN	`193.006.04020011`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,143 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Bi-Level
Construction Type	Masonry / Concrete Block
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	100 ft deep x 147 ft wide
Garage Area	624 sqft
Porch	Open Frame Porch
Porch Area	376 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	217 GARBARINO ST
City	FESTUS
State	MO
Zip	63028-1940
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	GARBARINOS LOTS 14 & 15
Legal Range	6E
Legal Township	40N
Legal Section	06
Legal Subdivision	GARBARINOS
Legal Block	4
Legal Lot Number	14,15
Jurisdiction	JEFFERSON MO
Township / Civil Division	RIVER VIEW
Census Block Group	4
Census Block	4025
Census Tract	700801

Owner

217 Garbarino St is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	217 GARBARINO ST, FESTUS, MO 63028-1940
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
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit HNB NATIONAL BANK
Oct 5, 2021	Warranty Deed, Transfer · FHA Mortgage FAMILY FINANCE MORTGAGE LLC
Sep 16, 2019	Grant Deed, Transfer · Line of Credit LENDINGHOME FNDG
Feb 6, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Feb 3, 2017	Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on File
Deed Sale	Oct 5, 2021 · Amount on File
Prior Sale	Sep 16, 2019 · Amount on File
Deed Document Number	202143602
Prior Transfer Date	Sep 11, 1996
Prior Transfer Doc	0757001140
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	217 GARBARINO ST, FESTUS, MO 63028-1940
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031249
Date	Oct 8, 2019
Instrument	2019R-031249

Lender

Name	HNB NATIONAL BANK
Type	Bank
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 7, 2039

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Oct 5, 2021
Property Address	217 GARBARINO ST, FESTUS, MO 63028-1940
Document Number	2021R043602
Map Reference	MB 3 PG 21
Instrument Date	Oct 1, 2021
Instrument	2021R-043602
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3320 US HIGHWAY 67, 3320, FESTUS, MO 63028-3830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 GARBARINO ST, FESTUS, MO 63028-1940

Mortgage

Document Number	2021R043603
Date	Oct 5, 2021
Instrument	2021R-043603

Lender

Name	FAMILY FINANCE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON MO
Recording Date	Sep 16, 2019
Property Address	217 GARBARINO ST, FESTUS, MO 63028-1940
Document Number	0000028321
Instrument Date	Aug 28, 2019
Instrument	28321
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE CO.

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2290 PARKTON WAY BARNHART MO 630121270, BARNHART, MO 63012-1270

Mortgage

Document Number	28322
Date	Sep 16, 2019
Instrument	28322

Lender

Name	LENDINGHOME FNDG
Type	Funding / Finance Company
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	JEFFERSON MO
Recording Date	Feb 6, 2019
Property Address	217 GARBARINO ST, FESTUS, MO 63028-1940
Document Number	0000003513
Instrument Date	Feb 4, 2019
Instrument	3513
Transaction Type	Foreclosure
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 HOME CAMPUS DES MOINES IA 503280001, DES MOINES, IA 50328-0001

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	217 GARBARINO ST, FESTUS, MO 63028-1940
Document Number	0000004247
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	COPPER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 GARBARINO ST FESTUS MO 630281940, FESTUS, MO 63028-1940

Mortgage

Document Number	0000004247
Date	Feb 9, 2017
Instrument	4247

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 217 Garbarino St was $1,042, up 16.6% 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		$19,000 (-) Land $1,500 Building $17,500	$100,000 (-) Land $8,100 Building $91,900
2025	$1,042.00 (+16.55%)	$19,000 Land $1,500 Building $17,500	$100,000 (-) Land $8,100 Building $91,900
2024	$894.00 (+0.45%)		$100,000 (+19.9%) Land $8,100 Building $91,900
2023	$890.00	$15,800 Land $1,500 Building $14,300	$83,400 Land $8,100 Building $75,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 217 Garbarino St in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1982.

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	3 in force
Nearby Flood Claims	21 (1982–2024)
Claims Outside the SFHA	5 of 21
Most Recent Claim	May 2024 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2009 · 3 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 3 claims Severe Storms & Flooding, Jul 1993 · 3 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 217 Garbarino St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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 471 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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