St. Charles County property record for 2788 Kettering Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 1,917 sqft · built 1993 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $279,000 (Oct 2017) |
| Tax Bill | $4,447 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A943000698 |
| Primary APN | A943000698 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,917 sqft Living Area |
| 1st Floor Area | 1,917 sqft |
| Basement Area | 1,869 sqft |
| Finished Basement | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,454 sqft (0.239 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 65 sqft |
| Patio Area | 236 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A943000698 |
|---|---|
| Old Parcel Number | A943000698 |
| Street Address | 2788 KETTERING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5486 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRADFORD PL #5 LOT 89 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | BRADFORD PL #5 |
| Legal Lot Number | 89 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311211 |
Source: St. Charles County records · APN A943000698
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2788 KETTERING DR, SAINT CHARLES, MO 63303-5486 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage · Line of Credit VANTAGE CU |
| Jul 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Oct 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 18, 2017 · Amount on Record |
| Deed Sale | Oct 18, 2017 · Amount on Record |
| Deed Document Number | 0068241933 |
| Deed Book / Page | 6824 / 1933 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2788 KETTERING DR, SAINT CHARLES, MO 63303-5486 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2788 KETTERING DR, SAINT CHARLES, MO 63303-5486 |
| Document Number | 2021R077910 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 2021R-077910 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | SAINT CHARLES, MO 63304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 11, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2788 KETTERING DR, SAINT CHARLES, MO 63303-5486 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0073511860 |
|---|---|
| Date | Jul 22, 2020 |
| Book Page | 7351/1860 |
| Instrument | 20200722000515590 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 18, 2017 |
| Property Address | 2788 KETTERING DR, SAINT CHARLES, MO 63303-5486 |
| Document Number | 0068241933 |
| Book / Page | 6824 / 1933 |
| Map Reference | MB 31 PG 255&256 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 20171018000653320 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | US TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2788 KETTERING DR, SAINT CHARLES, MO 63303-5486 |
| Document Number | 20171018000653330 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 20171018000653330 |
| Name | CORNERSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,447.00 | $77,314 (+10.37%) | $406,916 (+10.37%) Land $70,000 Building $336,916 |
| 2023 | $70,049 | ||
| 2022 | $368,678 Land $55,000 Building $313,678 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 289 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures