St. Charles County property record for 521 Ken Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,136 sqft · built 1971 |
| Lot Size | 0.18 acres (7,828 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,239 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 066300A000 |
| Primary APN | 066300A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,136 sqft Living Area |
| Gross Area | 2,976 sqft |
| 1st Floor Area | 1,436 sqft |
| Basement Area | 1,036 sqft |
| Finished Basement | 700 sqft |
| Unfinished Basement | 336 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,828 sqft (0.18 acres) |
| Lot Dimensions | 103 ft deep x 76 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 066300A000 |
|---|---|
| Street Address | 521 KEN DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | MARQUETTE HILLS LOT 104 |
| Legal Subdivision | MARQUETTE HILLS |
| Legal Lot Number | 104 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 310301 |
521 Ken Dr is owned and occupied by two individuals who acquired it in October 2018.
Source: St. Charles County records, as of May 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| 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.
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage INDEPENDENT HOME LOANS |
| Apr 17, 2024 | Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU |
| Aug 18, 2021 | Deed of Trust, Mortgage · Line of Credit TOGETHER CU |
| Dec 8, 2022 | Deed of Trust, Mortgage · Line of Credit TOGETHER CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2018 |
| Deed Sale | Oct 9, 2018 |
| Deed Document Number | 2018574450 |
| Deed Book / Page | 6987 / 1028 |
| Prior Transfer Date | Jun 16, 2016 |
| Prior Transfer Doc | 0065601737 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 29, 2026 |
| Property Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Document Number | 0000019739 |
| Instrument Date | Mar 25, 2026 |
| Instrument | 202619739 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Document Number | 0000019739, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 202619739 |
| Name | INDEPENDENT HOME LOANS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Document Number | 0000014549 |
|---|---|
| Date | Apr 17, 2024 |
| Instrument | 2024R-014549 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Document Number | 0000069155 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 2021R-069155 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Sep 30, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 521 KEN DR, SAINT CHARLES, MO 63301-0526 |
| Document Number | 0000064785 |
|---|---|
| Date | Dec 8, 2022 |
| Instrument | 2022R-064785 |
| Name | TOGETHER CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63118 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Jan 31, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 521 Ken Dr was $3,239, up 3.3% from the year before.
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,239.00 (+3.25%) | $51,670 | $271,949 Land $45,000 Building $226,949 |
| 2024 | $3,137.00 | ||
| 2023 | $48,855 (+41.61%) | ||
| 2022 | $2,378.00 | $34,499 | $257,132 (+41.61%) Land $45,000 Building $212,132 |
| 2021 | $181,572 Land $45,000 Building $136,572 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Ken Dr in Zone X, an area of minimal flood risk, though there have been 75 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 75 (1979–2015) |
| Claims Outside the SFHA | 1 of 75 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, 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 521 Ken 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 | None beyond ember reach |
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 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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