St. Charles County property record for 2705 Kettering Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,937 sqft · built 1993 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on Record |
| Last Sale | $346,700 (Feb 2021) |
| Tax Bill | $5,272 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A933000568 |
| Primary APN | A933000568 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,937 sqft Living Area |
| Gross Area | 4,654 sqft |
| 1st Floor Area | 1,518 sqft |
| Basement Area | 1,446 sqft |
| Finished Basement | 1,229 sqft |
| Unfinished Basement | 217 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 170 sqft |
| Deck Area | Deck Area |
| Patio Area | 1,788 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A933000568 |
|---|---|
| Street Address | 2705 KETTERING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5487 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRADFORD PL #4 LOT 65 |
| Legal Subdivision | BRADFORD PL #4 |
| Legal Lot Number | 65 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 311211 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Feb 3, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Feb 3, 2021 | Intrafamily Transfer, Transfer |
| Jan 27, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 1, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Aug 24, 2017 | Warranty Deed, Transfer STIFEL BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2021 · Amount on Record |
| Deed Sale | Feb 3, 2021 · Amount on Record |
| Prior Sale | Aug 24, 2017 · Amount on Record |
| Deed Document Number | 202110475 |
| Prior Transfer Date | May 17, 2016 |
| Prior Transfer Doc | 0065401596 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 3, 2021 |
| Property Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Document Number | 2021R010475 |
| Map Reference | MB 31 PG 102&103 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 2021R-010475 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Document Number | 2021R010476 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 2021R-010476 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 3, 2021 |
| Property Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Document Number | 2021R010477 |
| Map Reference | MB 31 PG 102&103 |
| Instrument Date | Nov 19, 2020 |
| Instrument | 2021R-010477 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Living Trust |
| Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 27, 2020 |
| Property Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Document Number | 0072212264 |
| Book / Page | 007221 / 002264 |
| Instrument Date | Jan 9, 2020 |
| Instrument | 53620 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2705 KETTERING DR ST CHARLES MO 633035487, ST CHARLES, MO 63303-5487 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 1, 2017 |
| Property Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Document Number | 0068320696 |
| Book / Page | 006832 / 000696 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 684750 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2709 KETTERING DR ST CHARLES MO 633035487, ST CHARLES, MO 63303-5487 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 24, 2017 |
| Property Address | 2705 KETTERING DR, SAINT CHARLES, MO 63303-5487 |
| Document Number | 0067961684 |
| Book / Page | 006796 / 001684 |
| Instrument Date | Aug 21, 2017 |
| Instrument | 533170 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2017 |
| Title Company | US TITLE |
| Amount | Amount Recorded |
|---|---|
| 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 | 2705 KETTERING DR ST CHARLES MO 633035487, ST CHARLES, MO 63303-5487 |
| Document Number | 67961686 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 006796/001686 |
| Instrument | 533180 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 23, 2047 |
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 | $91,765 (-) | $482,974 (-) Land $70,000 Building $412,974 | |
| 2025 | $5,272.00 (+5.57%) | $91,765 (+8.72%) | $482,974 (+8.72%) Land $70,000 Building $412,974 |
| 2024 | $4,994.00 | ||
| 2023 | $84,406 | ||
| 2022 | $444,244 Land $55,000 Building $389,244 |
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 99.1% of the US · lower than 98.2% 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 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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