St. Charles County property record for 4 Kelso Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,835 sqft · built 1996 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Oct 2022) |
| Tax Bill | $4,666 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A975000177 |
| Primary APN | A975000177 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,835 sqft Living Area |
| Gross Area | 3,728 sqft |
| 1st Floor Area | 2,046 sqft |
| Basement Area | 1,052 sqft |
| Finished Basement | 789 sqft |
| Unfinished Basement | 263 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 11,761 sqft (0.27 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 145 sqft |
| Deck Area | Deck Area |
| Patio Area | 352 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A975000177 |
|---|---|
| Street Address | 4 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 425 |
| Legal Subdivision | STABLE RIDGE MANOR #1 |
| Legal Lot Number | 425 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 310202 |
4 Kelso Dr is owned and occupied by two individuals who bought it in October 2022.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Sep 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2022 · Amount on File |
| Deed Sale | Oct 5, 2022 · Amount on File |
| Prior Sale | Sep 3, 2021 · Amount on File |
| Deed Document Number | 202254770 |
| Prior Transfer Date | Sep 1, 2012 |
| Prior Transfer Doc | 0000716010 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 5, 2022 |
| Property Address | 4 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 0000054770 |
| Map Reference | MB 34 PG 46 |
| Instrument Date | Sep 23, 2022 |
| Instrument | 2022R-054770 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | SYNERGY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11237 S 2580 W, SOUTH JORDAN, UT 84095-8381 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 0000054771 |
|---|---|
| Date | Oct 5, 2022 |
| Instrument | 2022R-054771 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 3, 2021 |
| Property Address | 4 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 0000074187 |
| Map Reference | MB 34 PG 46 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2021R-074187 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4628 WASHEON RD, SAINT CHARLES, MO 63301-6917 |
| Name | Verified Name |
|---|---|
| Address | 4 KELSO DR, SAINT CHARLES, MO 63301-3253 |
| Document Number | 0000074188 |
|---|---|
| Date | Sep 3, 2021 |
| Instrument | 2021R-074188 |
| Name | PREMIA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 4 Kelso Dr was $4,666, up 5.2% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,527 (-) | $376,460 (-) Building $376,460 | |
| 2025 | $4,666.00 (+5.23%) | $71,527 | $376,460 Building $376,460 |
| 2024 | $4,434.00 | ||
| 2023 | $66,093 | ||
| 2022 | $347,858 Land $60,000 Building $287,858 |
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.
FEMA maps place 4 Kelso Dr in Zone X, an area of minimal flood risk, though there have been 37 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 21 policies |
| 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 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 4 Kelso Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 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.
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