3186 Valley Dr, Festus, MO 63028 Property Records

Jefferson County property record for 3186 Valley Dr, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1 ba · 3,068 sqft · built 1984
Lot Size	38 acres (1,655,280 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,137 (2024)
Deeds & Mortgages	Oct 2022 Line of Credit Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`188.033.00000007`

Property Details

APN / Parcel Number

Primary APN	`188.033.00000007`
Alternative APN	`1880330 007`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	3,068 sqft Living Area
Gross Area	3,630 sqft
1st Floor Area	1,700 sqft
Basement Area	562 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	1,655,280 sqft (38 acres)
Porch	Open Frame Porch
Porch Area	24 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	3186 VALLEY DR
City	FESTUS
State	MO
Zip	63028-3851
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR2
Legal Description	SW1/4 SE1/4
Legal Range	5E
Legal Township	40N
Legal Section	33
Legal Block	3
Jurisdiction	JEFFERSON MO
Township / Civil Division	PLATTIN
Census Block Group	3
Census Block	3002
Census Tract	701002

Owner

Source: Jefferson County assessment roll, as of September 29, 2025

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 File
Mailing Address	3186 VALLEY DR, FESTUS, MO 63028-3851
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE COMMUNITY BANK
Feb 8, 2019	Deed of Trust, Mortgage AMERISAVE MTG
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit ENTERPRISE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 2008
Deed Sale	Jun 16, 2008
Deed Document Number	200823787
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3186 VALLEY DR, FESTUS, MO 63028-3851
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3186 VALLEY DR, FESTUS, MO 63028-3851

Mortgage

Document Number	0000034285
Date	Oct 21, 2022
Instrument	2022R-034285

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3186 VALLEY DR, FESTUS, MO 63028-3851
Document Number	0000004214
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3186 VALLEY DR FESTUS MO 630283851, FESTUS, MO 63028-3851

Mortgage

Document Number	0000004214
Date	Feb 14, 2019
Instrument	4214

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	3186 VALLEY DR, FESTUS, MO 63028-3851
Document Number	0000036885
Instrument Date	Nov 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	SECURITY TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3186 VALLEY DR FESTUS MO 630283851, FESTUS, MO 63028-3851

Mortgage

Document Number	0000036885
Date	Nov 21, 2017
Instrument	36885

Lender

Name	ENTERPRISE BK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Festus R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,900 (+5.73%) Land $12,000 Building $24,900	$194,200 (-) Land $63,400 Building $130,800
2024	$2,137.00 (+0.52%)		$194,200 (+5.72%) Land $63,400 Building $130,800
2023	$2,126.00	$34,900 Land $12,000 Building $22,900	$183,700 Land $63,400 Building $120,300

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

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	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JEFFERSON COUNTY PWSD 5 serves 8,000 people · EPA ID MO6024296
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Brown Dog Networks, Spectrum.

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