516 S Mill St, Festus, MO 63028 Property Records

Jefferson County property record for 516 S Mill St, Festus, MO 63028

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1955
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$252,884 (Apr 2025)
Tax Bill	$1,353 (2024)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`193.007.01010003`

Property Details

APN / Parcel Number

Primary APN	`193.007.01010003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,752 sqft
1st Floor Area	720 sqft
Basement Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	552 sqft
Porch	Open Frame Porch
Porch Area	105 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	516 S MILL ST
City	FESTUS
State	MO
Zip	63028-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	FESTUS GARDEN APARTMENTS 2 LOT 2
Legal Subdivision	FESTUS GARDEN APARTMENTS 2
Legal Block	2
Legal Lot Number	2
Jurisdiction	JEFFERSON MO
Township / Civil Division	RIVER VIEW
Census Block Group	2
Census Block	2024
Census Tract	700900

Owner

Source: Jefferson County records, as of April 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	516 S MILL ST, FESTUS, MO 63028-2153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · FHA Mortgage SWIFT HOME LOANS INC
Dec 29, 2023	Warranty Deed, Transfer · VA Mortgage FIRST HORIZON BANK
Aug 11, 2022	Deed, Transfer
Aug 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 29, 2021	Warranty Deed, Transfer
Nov 21, 2019	Deed of Trust, Mortgage COMMERCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2025 · Amount on Record
Deed Sale	Apr 2, 2025 · Amount on Record
Prior Sale	Oct 10, 2024 · Amount on Record
Deed Document Number	20257665
Prior Transfer Date	Aug 1, 2022
Prior Transfer Doc	0000026285
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	516 S MILL ST, FESTUS, MO 63028-2153
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 S MILL ST, FESTUS, MO 63028-2153

Mortgage

Document Number	0000007659
Date	Mar 24, 2026
Instrument	2026R-007659

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company
Address	BIRMINGHAM, MI 48009

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Dec 29, 2023
Property Address	516 S MILL ST, FESTUS, MO 63028-2153
Document Number	0000032163
Map Reference	DOC 2021P-000127
Instrument Date	Dec 18, 2023
Instrument	2023R-032163
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1107 FOREST AVE, SAINT LOUIS, MO 63139-3707

Mortgage

Document Number	0000032164
Date	Dec 29, 2023
Instrument	2023R-032164

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON MO
Recording Date	Aug 11, 2022
Property Address	516 S MILL ST, FESTUS, MO 63028-2153
Document Number	0000026589
Instrument Date	Aug 10, 2022
Instrument	2022R-026589
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON MO
Recording Date	Aug 10, 2022
Property Address	516 S MILL ST, FESTUS, MO 63028-2153
Document Number	0000026285
Instrument Date	Aug 1, 2022
Instrument	2022R-026285
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 S MILL ST, FESTUS, MO 63028-2153

Mortgage

Document Number	0000026286
Date	Aug 10, 2022
Instrument	2022R-026286

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Sep 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jul 29, 2021
Property Address	516 S MILL ST, FESTUS, MO 63028-2153
Document Number	2021R032986
Instrument Date	Jun 26, 2021
Instrument	2021R-032986
Transaction Type	Transfer
Record Updated	Aug 13, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1319 LITTLE BLUE HERON CT, 1319, NAPLES, FL 34108-3311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 S MILL ST, FESTUS, MO 63028-2153

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	516 S MILL ST, FESTUS, MO 63028-2153
Document Number	0000037526
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	516 S MILL ST FESTUS MO 630282153, FESTUS, MO 63028-2153

Mortgage

Document Number	0000037526
Date	Dec 2, 2019
Instrument	37526

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Dec 1, 2031

Tax Assessment & Valuation

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

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
2025		$26,000 (+8.79%) Land $1,300 Building $24,700	$136,700 (-) Land $6,900 Building $129,800
2024	$1,353.00 (+0.52%)		$136,700 (+8.41%) Land $6,900 Building $129,800
2023	$1,346.00	$23,900 Land $1,300 Building $22,600	$126,100 Land $6,900 Building $119,200

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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