400 Keystone Dr, Fenton, MO 63026 Property Records

Jefferson County property record for 400 Keystone Dr, Fenton, MO 63026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,470 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$257,200 (Oct 2020)
Tax Bill	$2,910 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`021.002.04001058`

Property Details

APN / Parcel Number

Primary APN	`021.002.04001058`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,470 sqft Living Area
Gross Area	1,870 sqft
1st Floor Area	1,470 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	262 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	400 KEYSTONE DR
City	FENTON
State	MO
Zip	63026-4890
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	WINTER VALLEY 3 LOT 341
Legal Range	5E
Legal Township	43N
Legal Section	02
Legal Subdivision	WINTER VALLEY 3
Legal Block	1
Legal Lot Number	341
Jurisdiction	JEFFERSON MO
Township / Civil Division	ROCK
Census Block Group	1
Census Block	1001
Census Tract	700213

Owner

400 Keystone Dr is owned and occupied by two individuals who bought it in October 2020.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	400 KEYSTONE DR, FENTON, MO 63026-4890
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Quit Claim Deed, Transfer GUILD MTG
Nov 27, 2018	Warranty Deed, Transfer · VA Mortgage GUILD MTG
Jun 8, 2018	Deed of Trust, Mortgage · Line of Credit BUSEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Nov 27, 2018 · Amount on File
Deed Document Number	202041202
Prior Transfer Date	Oct 28, 2020
Prior Transfer Doc	0000041202
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Oct 29, 2020
Property Address	400 KEYSTONE DR, FENTON, MO 63026-4890
Document Number	0000041202
Instrument Date	Oct 28, 2020
Instrument	41202
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 KEYSTONE DR FENTON MO 630264890, FENTON, MO 63026-4890

Mortgage

Document Number	41203
Date	Oct 29, 2020
Instrument	41203

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Nov 27, 2018
Property Address	400 KEYSTONE DR, FENTON, MO 63026-4890
Document Number	0000035851
Instrument Date	Nov 12, 2018
Instrument	35851
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 KEYSTONE DR FENTON MO 630264890, FENTON, MO 63026-4890

Mortgage

Document Number	35852
Date	Nov 27, 2018
Instrument	35852

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	400 KEYSTONE DR, FENTON, MO 63026-4890
Document Number	0000017709
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Jul 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 KEYSTONE DR FENTON MO 630264890, FENTON, MO 63026-4890

Mortgage

Document Number	0000017709
Date	Jun 14, 2018
Instrument	17709

Lender

Name	BUSEY BK
Type	Bank
Address	ST CHARLES, MO 63303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 13, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 400 Keystone Dr was $2,910, up 9.1% from the year before.

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$41,100 (-) Land $9,600 Building $31,500	$216,200 (-) Land $50,600 Building $165,600
2025	$2,910.00 (+9.11%)	$41,100 Land $9,600 Building $31,500	$216,200 (-) Land $50,600 Building $165,600
2024	$2,667.00 (-0.15%)		$216,200 (+12.9%) Land $50,600 Building $165,600
2023	$2,671.00	$36,400 Land $7,700 Building $28,700	$191,500 Land $40,700 Building $150,800

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.

Flood

FEMA maps place 400 Keystone Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 2, 2025 · 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	2 (2015–2017)
Most Recent Claim	May 2017 · Severe Storms, Tornadoes, Straight-line Winds And Flooding

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

Wildfire risk around 400 Keystone Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	JEFFERSON COUNTY PWSD 3 serves 17,000 people · EPA ID MO6024294
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Dec 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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