1338 Kyle Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 1338 Kyle Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,700 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,338 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`A883000259`

Property Details

APN / Parcel Number

Primary APN	`A883000259`
Alternative APN	`3-0120-6184-00-0268.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
Gross Area	2,970 sqft
1st Floor Area	850 sqft
Basement Area	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asbestos
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A883000259
Street Address	1338 KYLE DR
City	SAINT CHARLES
State	MO
Zip	63304-3424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWRIDGE #6 LOT 268
Legal Subdivision	MEADOWRIDGE #6
Legal Lot Number	268
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1008
Census Tract	311122

Owner

Source: St. Charles County records, as of August 7, 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	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Aug 22, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 22, 2022	Beneficiary Deed, Transfer
Aug 31, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 27, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jan 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 5, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 17, 2022
Transfer Doc	0000062672
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2026
Property Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Document Number	0000022718
Instrument Date	May 8, 2026
Instrument	202622718
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424

Mortgage

Document Number	0000022718,
Date	May 14, 2026
Instrument	202622718

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

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

Interest

Rate	6.37%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424

Mortgage

Document Number	0000033869
Date	Aug 22, 2023
Instrument	2023R-033869

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MARLTON, NJ 08053

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

November 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 22, 2022
Property Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Document Number	0000062672
Map Reference	MB 24 PG 84-86
Instrument Date	Nov 17, 2022
Instrument	2022R-062672
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1338 KYLE DR, 1338, SAINT CHARLES, MO 63304-3424

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1338 RYLE DR, SAINT CHARLES, MO 63304

Mortgage

Document Number	2021R073192
Date	Aug 31, 2021
Instrument	2021R-073192

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069401252
Date	Jun 27, 2018
Book Page	6940/1252
Instrument	20180627000360940

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072170235
Date	Jan 16, 2020
Book Page	7217/0235
Instrument	20200116000032070

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Sep 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1338 KYLE DR, SAINT CHARLES, MO 63304-3424
Document Number	0000077255
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1338 KYLE DR ST CHARLES MO 633043424, ST CHARLES, MO 63304-3424

Mortgage

Document Number	0000077255
Date	Oct 13, 2020
Instrument	77255

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Oct 12, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,188 (-)	$295,728 (-) Land $65,000 Building $230,728
2025	$3,338.00	$56,188 (+8.84%)	$295,728 (+8.84%) Land $65,000 Building $230,728
2023		$51,626
2022			$271,717 Building $271,717

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 August 25, 2024 · 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	1 in force
Nearby Flood Claims	7 (1979–2015)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Jun 1993 · 2 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 514 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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