St. Charles County property record for 2692 Kettering Ct, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,668 sqft · built 1994 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $399,000 (Jul 2025) |
| Tax Bill | $3,996 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A923000041 |
| Primary APN | A923000041 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,668 sqft Living Area |
| Gross Area | 3,649 sqft |
| 1st Floor Area | 1,094 sqft |
| Basement Area | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 525 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 196 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A923000041 |
|---|---|
| Street Address | 2692 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 30 |
| Legal Subdivision | BRADFORD PL #3 |
| Legal Lot Number | 30 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311211 |
2692 Kettering Ct is owned and occupied by two individuals who bought it in July 2025.
Source: St. Charles County records, as of September 11, 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 File |
|---|---|
| Mailing Address | 2692 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Dec 21, 2020 | Warranty Deed, Transfer GUILD MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2025 · Amount on File |
| Deed Sale | Jul 14, 2025 · Amount on File |
| Prior Sale | Dec 21, 2020 · Amount on File |
| Deed Document Number | 202529811 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2692 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 2692 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Number | 0000053662 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025R-053662 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 21, 2020 |
| Property Address | 2692 KETTERING CT, SAINT CHARLES, MO 63303-5465 |
| Document Number | 0000100266 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 100266 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2021 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2692 KETTERING CT ST CHARLES MO 633035465, ST CHARLES, MO 63303-5465 |
| Document Number | 100267 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 100267 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 20, 2050 |
The 2025 property tax bill for 2692 Kettering Ct was $3,996.
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 | $69,427 (-) | $365,405 (-) Land $70,000 Building $295,405 | |
| 2025 | $3,996.00 | $69,427 | $365,405 Land $70,000 Building $295,405 |
| 2023 | $65,388 | ||
| 2022 | $344,146 Land $55,000 Building $289,146 |
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 2692 Kettering Ct in Zone X, an area of minimal flood risk, though there have been 12 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 | 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.
Wildfire risk around 2692 Kettering Ct is low, with 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 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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