2800 Nicole Ln, Festus, MO 63028 Property Records

Jefferson County property record for 2800 Nicole Ln, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,740 sqft · built 1994
Lot Size	4.81 acres (209,959 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,049 (2025)
Deeds & Mortgages	Jan 2026 Reverse Mortgage Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`11-8.0-34.0-0-000-049.06`

Property Details

APN / Parcel Number

Primary APN	`11-8.0-34.0-0-000-049.06`
Alternative APN	`1180340 04906`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	1,740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	209,959 sqft
Garage Type	Attached
Garage Area	900 sqft
Pool Area	504 sqft
Porch	Open Frame Porch
Porch Area	564 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2800 NICOLE LN
City	FESTUS
State	MO
Zip	63028-4705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	WOODLAND ESTS 2 LOT 6
Legal Range	5E
Legal Township	41N
Legal Section	34
Legal Subdivision	WOODLAND ESTS 2
Legal Block	3
Legal Lot Number	6
Jurisdiction	JEFFERSON MO
Township / Civil Division	JOACHIM
Census Block Group	3
Census Block	3037
Census Tract	700605

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	2800 NICOLE LN, FESTUS, MO 63028-4705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Feb 19, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 15, 2021
Transfer Doc	2021R007485
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	2800 NICOLE LN, FESTUS, MO 63028-4705
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 NICOLE LN, FESTUS, MO 63028-4705

Mortgage

Document Number	0000000881
Date	Jan 12, 2026
Instrument	2026R-000881

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	1020 Months
Due	Jan 1, 2111

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2026
Change Frequency	Monthly
Min Rate At Change	2.56%
Index	1-Year CMT
Max Rate	11.1%

February 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JEFFERSON MO
Recording Date	Feb 19, 2021
Property Address	2800 NICOLE LN, FESTUS, MO 63028-4705
Document Number	2021R007485
Map Reference	MB 131 PG 26
Instrument Date	Feb 15, 2021
Instrument	2021R-007485
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 NICOLE LN, FESTUS, MO 63028-4705

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Hillsboro R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,900 (-) Land $5,700 Building $44,200	$262,600 (-) Land $29,900 Building $232,700
2025	$3,049.00 (+12.47%)	$49,900 (+14.45%) Land $5,700 Building $44,200	$262,600 (-) Land $29,900 Building $232,700
2024	$2,711.00 (+2.42%)		$262,600 (+14.47%) Land $29,900 Building $232,700
2023	$2,647.00	$43,600 Land $5,700 Building $37,900	$229,400 Land $30,000 Building $199,400

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	1 in force

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 7 serves 6,100 people · EPA ID MO6024299
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 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	2 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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