St. Charles County property record for 2688 Kettering Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,634 sqft · built 1992 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $251,800 (Sep 2008) |
| Tax Bill | $3,711 (2025) |
| Deeds & Mortgages | Sep 2026 Transfer Mar 2024 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A923000040 |
| Primary APN | A923000040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,634 sqft Living Area |
| Gross Area | 3,652 sqft |
| 1st Floor Area | 1,634 sqft |
| Basement Area | 1,618 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 66 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A923000040 |
|---|---|
| Street Address | 2688 KETTERING CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5465 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRADFORD PL #3 LOT 29 |
| Legal Subdivision | BRADFORD PL #3 |
| Legal Lot Number | 29 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311211 |
Source: St. Charles County records, as of September 22, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 25, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELECTRO SAVINGS CU |
| Jan 3, 2023 | Deed of Trust, Mortgage · Line of Credit ELECTRO SAVINGS CU |
| Nov 5, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS |
| Apr 30, 2018 | Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2008 · Amount on Record |
| Deed Sale | Sep 2, 2008 · Amount on Record |
| Prior Sale | Oct 11, 2005 · Amount on Record |
| Deed Document Number | 2008612880 |
| Deed Book / Page | 5042 / 1704 |
| Last Transfer Date | Sep 9, 2026 |
| Transfer Doc | 0000043087 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 9, 2026 |
| Property Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Number | 0000043087 |
| Instrument Date | Sep 9, 2026 |
| Instrument | 202643087 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Number | 0000010957 |
|---|---|
| Date | Mar 25, 2024 |
| Instrument | 2024R-010957 |
| Name | ELECTRO SAVINGS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63146 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 19, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Number | 0000000067 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 2023R-000067 |
| Name | ELECTRO SAVINGS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63146 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 235 Months |
| Due | Aug 26, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Number | 0000087524 |
| Instrument Date | Nov 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2688 KETTERING CT ST CHARLES MO 633035465, ST CHARLES, MO 63303-5465 |
| Document Number | 0000087524 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 87524 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 11, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2688 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Number | 0069142427 |
| Instrument Date | Apr 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2688 KETTERING CT ST CHARLES MO 633035465, ST CHARLES, MO 63303-5465 |
| Document Number | 0069142427 |
|---|---|
| Date | May 4, 2018 |
| Book Page | 006914/002427 |
| Instrument | 247560 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 3, 2033 |
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $64,426 (-) | $339,085 (-) Land $70,000 Building $269,085 | |
| 2025 | $3,711.00 (+2.18%) | $64,426 (+5.21%) | $339,085 (+5.22%) Land $70,000 Building $269,085 |
| 2024 | $3,632.00 | ||
| 2023 | $61,233 | ||
| 2022 | $322,278 Land $55,000 Building $267,278 |
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.
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 | 1 in force |
| Nearby Flood Claims | 12 (1979–2015) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Dec 2015 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 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 415 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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