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2804 Kettering Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2804 Kettering Dr, Saint Charles, MO 63303 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 2,634 sqft · built 1994
Lot Size0.25 acres (10,890 sqft)
Owner2 Individual Names on File
Last Sale$300,000 (Jun 2016)
Tax Bill$5,322 (2025)
Deeds & MortgagesAug 2019 Line of Credit
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNA943000702

Property Details

APN / Parcel Number

Primary APNA943000702
Alternative APN
  • 3-0004-6995-00-0093.0000000

Interior

Bedrooms4 Beds
Full Baths5 Baths
Half Baths2 Half Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area2,634 sqft Living Area
1st Floor Area1,514 sqft
Basement Area1,404 sqft
Finished Basement1,053 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Architectural StyleOther
Exterior MaterialBrick/Stone
Lot Area10,890 sqft (0.25 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area170 sqft
Patio Area660 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account NumberA943000702
Old Parcel NumberA943000702
Street Address2804 KETTERING DR
CitySAINT CHARLES
StateMO
Zip63303-5462
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBRADFORD PL #5 LOT 93
Legal Range04E
Legal Township46N
Legal SubdivisionBRADFORD PL #5
Legal Lot Number93
JurisdictionST CHARLES MO
Township / Civil DivisionZUMBEHL
Census Block Group1
Census Block1000
Census Tract311211

Owner

Source: St. Charles County records · APN A943000702

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 Record2 Individual Names on File
Mailing Address2804 KETTERING DR, SAINT CHARLES, MO 63303-5462
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 09, 2019Deed of Trust, Mortgage · Line of Credit
US BANK NA
Jul 09, 2020Deed of Trust, Mortgage
DAS ACQUISITION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 22, 2016 · Amount on Record
Deed SaleJun 22, 2016 · Amount on Record
Prior SaleOct 02, 1998
Deed Document Number0006561515
Deed Book / Page6561 / 515
Record UpdatedJun 08, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address2804 KETTERING DR, SAINT CHARLES, MO 63303-5462
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0071201834
DateAug 09, 2019
Book Page7120/1834
Instrument20190809000417380
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term358 Months
DueJun 15, 2049
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address2804 KETTERING DR, SAINT CHARLES, MO 63303-5462
Document Number0073450448
Instrument DateJul 09, 2020
Transaction TypeMortgage
Record UpdatedSep 01, 2020
Title CompanyVISION TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2804 KETTERING DR ST CHARLES MO 633035462, ST CHARLES, MO 63303-5462

Mortgage

Document Number0073450448
DateJul 15, 2020
Book Page007345/000448
Instrument491500
Lender
NameDAS ACQUISITION
AddressSAINT LOUIS, MO 63141
Agreement
AmountAmount Recorded
Term180 Months
DueJul 14, 2035

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,322.00$92,647 (+8.54%)$487,616 (+8.54%) Land $70,000 Building $417,616
2023$85,361
2022$449,269 Land $55,000 Building $394,269

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833112111, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies1 in force
Nearby Flood Claims12 (1979–2015)
Claims Outside the SFHA1 of 12
Most Recent ClaimDec 2015, rainfall accumulation, Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 289 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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