409 S 5th St, Festus, MO 63028 Property Records

Jefferson County property record for 409 S 5th St, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1 ba · 744 sqft · built 1936
Lot Size	0.165 acres (7,205 sqft)
Owner	2 Individual Names on Record
Last Sale	$131,399 (May 2026)
Tax Bill	$505 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`193.007.01007013`

Property Details

APN / Parcel Number

Primary APN	`193.007.01007013`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	744 sqft Living Area
1st Floor Area	744 sqft
Basement Area	120 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,205 sqft (0.165 acres)
Lot Dimensions	142 ft deep x 50 ft wide

Exterior Amenities

Porch	Open Brick Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	36 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	409 S 5TH ST
City	FESTUS
State	MO
Zip	63028-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	LA ROSE LOT 3 BLOCK 1
Legal Range	6E
Legal Township	40N
Legal Section	07
Legal Subdivision	LA ROSE
Legal Block	1
Legal Lot Number	3
Jurisdiction	JEFFERSON MO
Township / Civil Division	RIVER VIEW
Census Block Group	2
Census Block	2016
Census Tract	700900

Owner

Source: Jefferson County records, as of September 24, 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	409 S 5TH ST, FESTUS, MO 63028-2108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Jan 6, 2026	Warranty Deed, Transfer · Line of Credit BANK OF BLOOMSDALE
Apr 10, 2019	Warranty Deed, Transfer STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Jan 6, 2026
Deed Document Number	202613862
Prior Transfer Date	Mar 23, 2005
Prior Transfer Doc	0000016529
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	May 26, 2026
Property Address	409 S 5TH ST, FESTUS, MO 63028-2108
Document Number	0000013862
Instrument Date	May 22, 2026
Instrument	202613862
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	GUARANTEE TITLE, GUARANTEED RATE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 S 5TH ST, FESTUS, MO 63028-2108

Mortgage

Document Number	0000013863,
Date	May 26, 2026
Instrument	202613863

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jan 6, 2026
Property Address	409 S 5TH ST, FESTUS, MO 63028-2108
Document Number	0000000275
Map Reference	MB 2 PG 21
Instrument Date	Jan 5, 2026
Instrument	2026R-000275
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 WAYNE 367, PIEDMONT, MO 63957-5729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 MISSISSIPPI AVE, CRYSTAL CITY, MO 63019-1532
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002432
Date	Jan 6, 2026
Instrument	2026R-002432

Lender

Name	BANK OF BLOOMSDALE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Apr 10, 2019
Property Address	409 S 5TH ST, FESTUS, MO 63028-2108
Document Number	0000009617
Instrument Date	Apr 3, 2019
Instrument	9617
Transaction Type	Transfer
Record Updated	May 2, 2019
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S 5TH ST FESTUS MO 630282108, FESTUS, MO 63028-2108

Mortgage

Document Number	9619
Date	Apr 10, 2019
Instrument	9619

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2049

Tax Assessment & Valuation

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		$9,200 (-) Land $1,300 Building $7,900	$48,700 (-) Land $6,900 Building $41,800
2025	$505.00 (-0.79%)	$9,200 (+2.22%) Land $1,300 Building $7,900	$48,700 (-) Land $6,900 Building $41,800
2024	$509.00 (+0.59%)		$48,700 (+2.74%) Land $6,900 Building $41,800
2023	$506.00	$9,000 Land $1,300 Building $7,700	$47,400 Land $6,900 Building $40,500

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	113 (1979–2018)
Claims Outside the SFHA	29 of 113
Most Recent Claim	Sep 2018 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2009 · 9 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 18 claims Severe Storms & Flooding, Sep 1993 · 29 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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% 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	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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