2816 Kettering Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2816 Kettering Dr, Saint Charles, MO 63303 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,305 sqft · built 1993
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on File
Tax Bill	$4,812 (2024)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A943000705`

Property Details

APN / Parcel Number

Primary APN	`A943000705`
Alternative APN	`3-0004-6995-00-0096.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,305 sqft Living Area
Gross Area	4,681 sqft
1st Floor Area	1,520 sqft
Basement Area	1,446 sqft
Finished Basement	595 sqft
Unfinished Basement	851 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	830 sqft
Deck Area	Deck Area
Patio Area	1,790 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A943000705
Street Address	2816 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 96
Legal Subdivision	BRADFORD PL #5
Legal Lot Number	96
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1000
Census Tract	311211

Owner

Source: St. Charles County records · APN A943000705

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	2816 KETTERING DR, SAINT CHARLES, MO 63303-5462
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Feb 02, 2005
Transfer Doc	0040970145
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2816 KETTERING DR, SAINT CHARLES, MO 63303-5462
Document Number	0000063201
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2816 KETTERING DR ST CHARLES MO 633035462, ST CHARLES, MO 63303-5462

Mortgage

Document Number	0000063201
Date	Aug 31, 2020
Instrument	63201

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2050

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$88,499 (-)	$465,785 (-) Land $70,000 Building $395,785
2025		$88,499 (+8.84%)	$465,785 (+8.84%) Land $70,000 Building $395,785
2024	$4,812.00
2023		$81,309
2022			$427,945 Land $55,000 Building $372,945

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Nearby Flood Claims	12 (1979–2015)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Dec 2015, rainfall accumulation, Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.