2824 Kettering Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2824 Kettering Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,239 sqft · built 1992
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on Record
Tax Bill	$4,726 (2024)
Deeds & Mortgages	Feb 2020 Line of Credit Jul 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`A933000576`

Property Details

APN / Parcel Number

Primary APN	`A933000576`
Alternative APN	`3-0004-6909-00-0098.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,239 sqft Living Area
Gross Area	5,034 sqft
1st Floor Area	2,239 sqft
Basement Area	2,197 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
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	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	448 sqft
Patio Area	896 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A933000576
Street Address	2824 KETTERING DR
City	SAINT CHARLES
State	MO
Zip	63303-5462
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRADFORD PL #4 LOT 98
Legal Subdivision	BRADFORD PL #4
Legal Lot Number	98
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1000
Census Tract	311211

Owner

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	2824 KETTERING DR, SAINT CHARLES, MO 63303-5462
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 6, 2017
Transfer Doc	0067722368
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2824 KETTERING DR, SAINT CHARLES, MO 63303-5462
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072290725
Date	Feb 11, 2020
Book Page	7229/0725
Instrument	20200211000083720

Lender

Name	US BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 11, 2017
Property Address	2824 KETTERING DR, SAINT CHARLES, MO 63303-5462
Document Number	0067722368
Book / Page	006772 / 002368
Instrument Date	Jul 6, 2017
Instrument	426770
Transaction Type	Transfer
Record Updated	Jul 17, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2824 KETTERING DR ST CHARLES MO 633035462, ST CHARLES, MO 63303-5462

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$91,092 (-)	$479,432 (-) Land $70,000 Building $409,432
2025		$91,092 (+14.08%)	$479,432 (+14.08%) Land $70,000 Building $409,432
2024	$4,726.00
2023		$79,851
2022			$420,271 Land $55,000 Building $365,271

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

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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