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2904 Kettering Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2904 Kettering Dr, Saint Charles, MO 63303

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,607 sqft · built 1991
Lot Size0.23 acres (10,019 sqft)
Owner2 Individual Names on Record
Last Sale$202,000 (Oct 2025)
Tax Bill$3,789 (2025)
Deeds & MortgagesOct 2025 Mortgage
Flood ZoneZone X (minimal risk)
APNA913000307

Property Details

APN / Parcel Number

Primary APNA913000307
Alternative APN
  • 3-0004-6645-00-0146.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area2,607 sqft Living Area
Gross Area3,570 sqft
1st Floor Area1,607 sqft
Basement Area1,559 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleRanch
Exterior MaterialBrick/Stone
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,019 sqft (0.23 acres)
Garage TypeAttached
Garage Area404 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area252 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA913000307
Street Address2904 KETTERING DR
CitySAINT CHARLES
StateMO
Zip63303-5420
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBRADFORD PL #1 LOT 146
Legal SubdivisionBRADFORD PL #1
Legal Lot Number146
JurisdictionST CHARLES MO
Township / Civil DivisionZUMBEHL
Census Block Group1
Census Block1000
Census Tract311211

Owner

Source: St. Charles County records, as of September 11, 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 Record
Mailing Address2904 KETTERING DR, SAINT CHARLES, MO 63303-5420
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 22, 2025 · Amount on Record
Deed SaleOct 22, 2025 · Amount on Record
Prior SaleMay 4, 2017 · Amount on Record
Deed Document Number202547103
Prior Transfer DateOct 16, 2025
Prior Transfer Doc0000047103
Record UpdatedOct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST CHARLES MO
Recording DateOct 22, 2025
Property Address2904 KETTERING DR, SAINT CHARLES, MO 63303-5420
Document Number0000047103
Map ReferenceMB 30 PG 79
Instrument DateOct 16, 2025
Instrument2025R-047103
Transaction TypeTransfer
Record UpdatedNov 5, 2025
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2904 KETTERING DR, SAINT CHARLES, MO 63303-5420

Transferred To (Grantee/Buyer)

NameVerified Name
Address2904 KETTERFNG DRIVE, SAINT CHARLES, MO 63303-5420

Mortgage

Document Number0000047104
DateOct 22, 2025
Instrument2025R-047104
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

Tax Assessment & Valuation

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

YearTax BillAssessed ValueAssessed Market Value
2026$65,794 (-)$346,284 (-) Land $70,000 Building $276,284
2025$3,789.00$65,794 (+5.09%)$346,284 (+5.09%) Land $70,000 Building $276,284
2023$62,610
2022$329,524 Land $55,000 Building $274,524

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
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 · 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 RiskLow
lower than 98% of the US · lower than 96% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 415 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
i3 Broadband
Fiber		8,000 / 8,000
AT&T
Fiber · DSL in parts of the area		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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