St. Charles County property record for 28 Kelso Dr, Saint Charles, MO 63301 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,072 sqft · built 1998 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $494,954 (Apr 2024) |
| Tax Bill | $4,492 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A975000189 |
| Primary APN | A975000189 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,072 sqft Living Area |
| Gross Area | 3,576 sqft |
| 1st Floor Area | 1,175 sqft |
| Basement Area | 1,063 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,148 sqft (0.21 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Slab |
| Porch Area | 128 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A975000189 |
|---|---|
| Street Address | 28 KELSO DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STABLE RIDGE MANOR #1 LOT 437 |
| Legal Subdivision | STABLE RIDGE MANOR #1 |
| Legal Lot Number | 437 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 310202 |
Source: St. Charles County records · APN A975000189
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 04, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Apr 08, 2024 | Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING |
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC |
| Dec 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Jan 31, 2017 | Deed of Trust, Mortgage · FHA Mortgage F&B ACQUISITION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 08, 2024 · Amount on Record |
| Deed Sale | Apr 08, 2024 · Amount on Record |
| Prior Sale | Mar 12, 2021 · Amount on Record |
| Deed Document Number | 202413001 |
| Transfer Doc | 0000022209 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Investor | Possibly a Property Investor |
| Document Number | 0000054320 |
|---|---|
| Date | Dec 04, 2025 |
| Instrument | 2025R-054320 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 08, 2024 |
| Property Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 0000013001 |
| Map Reference | MB 34 PG 46 |
| Instrument Date | Apr 02, 2024 |
| Instrument | 2024R-013001 |
| Transaction Type | Transfer |
| Record Updated | Apr 23, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1371 HERITAGE LNDGD, SAINT PETERS, MO 63303 |
| Name | Verified Name |
|---|---|
| Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Investor | Possibly a Property Investor |
| Document Number | 0000013002 |
|---|---|
| Date | Apr 08, 2024 |
| Instrument | 2024R-013002 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2021 |
| Name | Verified Name |
|---|---|
| Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 2021R022210 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021R-022210 |
| Name | CELEBRITY HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | VILLA PARK, IL 60181 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072011163 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 7201/1163 |
| Instrument | 20191218000728970 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHESTERFIELD, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 0000078788 |
| Instrument Date | Aug 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2021 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 28 KELSO DR ST CHARLES MO 633013253, ST CHARLES, MO 63301-3253 |
| Document Number | 0000078788 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 78788 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 18, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 28 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 0066960277 |
| Book / Page | 006696 / 000277 |
| Instrument Date | Jan 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2017 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 28 KELSO DR ST CHARLES MO 633013253, ST CHARLES, MO 63301-3253 |
| Document Number | 0066960277 |
|---|---|
| Date | Feb 06, 2017 |
| Book Page | 006696/000277 |
| Instrument | 79040 |
| Name | F&B ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63131 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 05, 2047 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,492.00 (+5.99%) | $68,839 (+9.01%) | $362,313 (+9.01%) Building $362,313 |
| 2024 | $4,238.00 | ||
| 2023 | $63,150 | ||
| 2022 | $332,368 Land $60,000 Building $272,368 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 21 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 37 (1979–2022) |
| Claims Outside the SFHA | 2 of 37 |
| Most Recent Claim | Jul 2022, rainfall accumulation, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 2% of the US · above 4% of Missouri |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct 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.
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
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (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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