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2 Kelso Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2 Kelso Dr, Saint Charles, MO 63301 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 3,531 sqft · built 1998
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Last Sale$454,860 (Feb 2023)
Tax Bill$4,980 (2025)
Deeds & MortgagesFeb 2023 Mortgage
Flood ZoneZone X (minimal risk)
APNA975000176

Property Details

APN / Parcel Number

Primary APNA975000176
Alternative APN
  • 5-116D-7696-00-0424.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area3,531 sqft Living Area
Gross Area4,742 sqft
1st Floor Area2,107 sqft
Basement Area2,035 sqft
Finished Basement1,424 sqft
Unfinished Basement611 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area12,197 sqft (0.28 acres)
TerrainRolling
Garage TypeAttached
Garage Area600 sqft
Parking Spaces3 Parking Spaces
PorchOpen Porch
Porch Area225 sqft
Patio Area300 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA975000176
Street Address2 KELSO DR
CitySAINT CHARLES
StateMO
Zip63301-3253
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTABLE RIDGE MANOR #1 LOT 424
Legal SubdivisionSTABLE RIDGE MANOR #1
Legal Lot Number424
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group1
Census Block1002
Census Tract310202

Owner

Source: St. Charles County records · APN A975000176

Assessment roll updated August 13, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address2 KELSO DR, SAINT CHARLES, MO 63301-3253
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 13, 2023 · Amount on Record
Deed SaleFeb 13, 2023 · Amount on Record
Prior SaleDec 10, 1998 · Amount on Record
Deed Document Number20235351
Prior Transfer DateMay 12, 2009
Prior Transfer Doc0000387240
Record UpdatedJun 08, 2026

February 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateFeb 13, 2023
Property Address2 KELSO DR, SAINT CHARLES, MO 63301-3253
Document Number0000005351
Map ReferenceMB 34 PG 46
Instrument DateFeb 10, 2023
Instrument2023R-005351
Transaction TypeTransfer
Record UpdatedJan 17, 2024
Title CompanyFREEDOM TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2 KELSO DR, SAINT CHARLES, MO 63301-3253

Mortgage

Document Number0000005352
DateFeb 13, 2023
Instrument2023R-005352
Lender
NameCORNERSTONE FIRST MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2053

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictOrchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,980.00 (+5.69%)$76,370 (+8.67%)$401,949 (+8.67%) Land $75,000 Building $326,949
2024$4,712.00
2023$70,275
2022$369,869 Land $60,000 Building $309,869

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833102021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 21 individual NFIP policies nearby
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies21 in force
Nearby Flood Claims37 (1979–2022)
Claims Outside the SFHA2 of 37
Most Recent ClaimJul 2022, rainfall accumulation, Severe Storms And Flooding
Claims By Storm
  • Severe Storms And Flooding, Jul 2022 · 2 claims
  • Severe Storms & Flooding, Aug 1993 · 26 claims

Wildfire

Wildfire RiskLow
above 2% of the US · above 4% of Missouri
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 438 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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