3097 Brook Stone Rd, Festus, MO 63028 Property Records

Jefferson County property record for 3097 Brook Stone Rd, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	2,002 sqft · built 2017
Lot Size	12.3 acres (538,837 sqft)
Owner	2 Individual Names on Record
Last Sale	$661,010 (Jun 2023)
Tax Bill	$4,793 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Jul 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22-5.0-21.0-0-000-012.14`

Property Details

APN / Parcel Number

Primary APN	`22-5.0-21.0-0-000-012.14`
Alternative APN	`2250210 01214`

Interior

Stories	1 Story
Building Area	2,002 sqft Living Area
Gross Area	2,739 sqft
1st Floor Area	2,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Frame
Lot Area	538,837 sqft
Garage Type	Attached
Garage Area	737 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3097 BROOK STONE RD
City	FESTUS
State	MO
Zip	63028-4987
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA5
Legal Description	BROOK STONE LOTS 14 & 15
Legal Range	6E
Legal Township	39N
Legal Section	21
Legal Subdivision	BROOK STONE
Legal Block	2
Legal Lot Number	14,15
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	2
Census Block	2065
Census Tract	701403

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	3097 BROOK STONE RD, FESTUS, MO 63028-4987
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · Conventional Mortgage JLB CORP
Jul 30, 2020	Deed of Trust, Mortgage GUILD MTG
Nov 19, 2019	Deed of Trust, Mortgage FIRST ST CMNTY BK
Apr 4, 2018	Deed of Trust, Mortgage · Line of Credit FIRST ST CMNTY BK
Jun 12, 2017	Deed of Trust, Mortgage CORNERSTONE MTG
Jan 19, 2017	Trustee's Deed, Construction Loan · Line of Credit UNICO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Jul 27, 2015 · Amount on Record
Deed Document Number	202315815
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jun 30, 2023
Property Address	3097 BROOK STONE RD, FESTUS, MO 63028-4987
Document Number	0000015815
Map Reference	MB 142 PG 1
Instrument Date	Jun 28, 2023
Instrument	2023R-015815
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	138 MERAMEC DR, FARMINGTON, MO 63640-3440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3097 BROOK STONE RD, FESTUS, MO 63028-4987

Mortgage

Document Number	0000015816
Date	Jun 30, 2023
Instrument	2023R-015816

Lender

Name	JLB CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3097 BROOK STONE RD, FESTUS, MO 63028-4987
Document Number	0000028393
Instrument Date	Jul 30, 2020
Transaction Type	Mortgage
Record Updated	Sep 16, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3097 BROOK STONE RD FESTUS MO 630284987, FESTUS, MO 63028-4987

Mortgage

Document Number	0000028393
Date	Aug 6, 2020
Instrument	28393

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3097 BROOK STONE RD, FESTUS, MO 63028-4987
Document Number	0000037476
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3097 BROOK STONE RD FESTUS MO 630284987, FESTUS, MO 63028-4987

Mortgage

Document Number	0000037476
Date	Dec 2, 2019
Instrument	37476

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	FARMINGTON, MO 63640

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3097 BROOK STONE RD, FESTUS, MO 63028-4987
Document Number	0000010820
Instrument Date	Apr 4, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3097 BROOK STONE RD FESTUS MO 630284987, FESTUS, MO 63028-4987

Mortgage

Document Number	0000010820
Date	Apr 11, 2018
Instrument	10820

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3097 BROOK STONE RD, FESTUS, MO 63028-4987
Document Number	0000018434
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	STE GENEVIEVE COUNTY ABSTRACT COMPANY, STE GENEVIEVE CNTY ABS CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3097 BROOK STONE RD FESTUS MO 630284987, FESTUS, MO 63028-4987

Mortgage

Document Number	0000018434
Date	Jun 16, 2017
Instrument	18434

Lender

Name	CORNERSTONE MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jan 19, 2017
Property Address	3097 BROOK STONE RD, FESTUS, MO 63028-4987
Instrument Date	Jan 12, 2017
Instrument	1891
Transaction Type	Construction Loan
Record Updated	Jan 24, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3097 BROOK STONE RD FESTUS MO 630284987, FESTUS, MO 63028-4987

Mortgage

Document Number	0000001891
Date	Jan 19, 2017
Instrument	1891

Lender

Name	UNICO BK
Type	Bank
Address	POTOSI, MO 63664

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 18, 2018

Interest

Rate Type	Adjustable Rate

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	De Soto 73 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$83,900 (-) Land $5,900 Building $78,000	$441,600 (-) Land $31,100 Building $410,500
2025		$83,900 (+36.64%) Land $5,900 Building $78,000	$441,600 (-) Land $31,100 Building $410,500
2024	$4,793.00		$441,600 (+36.72%) Land $31,100 Building $410,500
2023		$61,400 (+6.78%) Land $5,900 Building $55,500	$323,000 (+6.71%) Land $31,100 Building $291,900
2022	$3,564.00	$57,500 Land $6,600 Building $50,900
2021			$302,700 Land $34,600 Building $268,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1997–2006)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Mar 2006 · Severe Storms, Tornadoes 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	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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lightwave Communications Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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