St. Charles County property record for 2801 Kristopher Bend, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,182 sqft · built 1987 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $263,000 (May 2020) |
| Tax Bill | $4,716 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151050B033 |
| Primary APN | 151050B033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,182 sqft Living Area |
| 1st Floor Area | 1,222 sqft |
| Basement Area | 896 sqft |
| Finished Basement | 631 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 192 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 151050B033 |
|---|---|
| Old Parcel Number | 151050B033 |
| Street Address | 2801 KRISTOPHER BND |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-3345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | WOODS #2 LOT 25 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | WOODS #2 |
| Legal Lot Number | 25 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 310902 |
Source: St. Charles County records · APN 151050B033
Assessment roll updated July 1, 2025 · Last verified March 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2801 KRISTOPHER BND, SAINT CHARLES, MO 63303-3345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 05, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| May 19, 2020 | Intrafamily Transfer, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Oct 18, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Oct 16, 2018 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 19, 2020 · Amount on Record |
| Deed Sale | May 19, 2020 · Amount on Record |
| Prior Sale | Oct 18, 2018 |
| Deed Document Number | 0072982072 |
| Deed Book / Page | 7298 / 2072 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2801 KRISTOPHER BND, SAINT CHARLES, MO 63303-3345 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2801 KRISTOPHER BND, SAINT CHARLES, MO 63303-3345 |
| Document Number | 0000001058 |
|---|---|
| Date | Jan 05, 2022 |
| Instrument | 2022R-001058 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 19, 2020 |
| Property Address | 2801 KRISTOPHER BND, SAINT CHARLES, MO 63303-3345 |
| Document Number | 0072982072 |
| Book / Page | 7298 / 2072 |
| Map Reference | MB 21 PG 172 |
| Instrument Date | May 14, 2020 |
| Instrument | 20200519000325430 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | US TITLE CORP & AGCY INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2801 KRISTOPHER BND, 2801, SAINT CHARLES, MO 63303-3345 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2801 KRISTOPHER BND, SAINT CHARLES, MO 63303-3345 |
| Document Number | 20200519000325440 |
|---|---|
| Date | May 19, 2020 |
| Instrument | 20200519000325440 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 18, 2018 |
| Property Address | 2801 KRISTOPHER BND, SAINT CHARLES, MO 63303-3345 |
| Document Number | 0069920688 |
| Book / Page | 006992 / 000688 |
| Instrument Date | Oct 16, 2018 |
| Instrument | 597080 |
| Transaction Type | Transfer |
| Record Updated | Nov 09, 2018 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2801 KRISTOPHER BND ST CHARLES MO 633033345, ST CHARLES, MO 63303-3345 |
| Document Number | 69920690 |
|---|---|
| Date | Oct 18, 2018 |
| Book Page | 006992/000690 |
| Instrument | 597090 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2801 KRISTOPHER BND, SAINT CHARLES, MO 63303-3345 |
| Document Number | 0069991123 |
| Instrument Date | Oct 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2801 KRISTOPHER BND ST CHARLES MO 633033345, ST CHARLES, MO 63303-3345 |
| Document Number | 0069991123 |
|---|---|
| Date | Nov 05, 2018 |
| Book Page | 006999/001123 |
| Instrument | 630010 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 04, 2048 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI 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 | $4,716.00 | $75,459 (+10.08%) | $397,154 (+10.08%) Land $70,000 Building $327,154 |
| 2023 | $68,550 | ||
| 2022 | $360,788 Land $63,000 Building $297,788 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: WH i3B Bidco LLC/WH i3B Topco.
Based on FCC filings for 378 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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