St. Charles County property record for 2812 Kettering Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,752 sqft · built 1994 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,301 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A943000704 |
| Primary APN | A943000704 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,752 sqft Living Area |
| Gross Area | 4,768 sqft |
| 1st Floor Area | 2,176 sqft |
| Basement Area | 1,842 sqft |
| Finished Basement | 1,576 sqft |
| Unfinished Basement | 266 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 52 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A943000704 |
|---|---|
| Street Address | 2812 KETTERING DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRADFORD PL #5 LOT 95 |
| Legal Subdivision | BRADFORD PL #5 |
| Legal Lot Number | 95 |
| 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 August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2812 KETTERING DR, SAINT CHARLES, MO 63303-5462 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2812 KETTERING DR, SAINT CHARLES, MO 63303-5462 |
| Document Number | 0068761754 |
| Book / Page | 006876 / 001754 |
| Instrument Date | Jan 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2812 KETTERING DR ST CHARLES MO 633035462, ST CHARLES, MO 63303-5462 |
| Document Number | 0068761754 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 006876/001754 |
| Instrument | 70290 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 7, 2048 |
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 | $92,273 (-) | $485,650 (-) Land $70,000 Building $415,650 | |
| 2025 | $5,301.00 | $92,273 (+14.01%) | $485,650 (+14.01%) Land $70,000 Building $415,650 |
| 2023 | $80,937 | ||
| 2022 | $425,986 Land $55,000 Building $370,986 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 97% of the US · lower than 95% 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 289 locations within half a mile, as of December 31, 2025
| 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.
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