St. Charles County property record for 509 S Benton Ave, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,084 sqft · built 1940 |
| Lot Size | 0.172 acres (7,488 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $161,600 (Jun 2021) |
| Tax Bill | $1,353 (2025) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 017650A000 |
| Primary APN | 017650A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,084 sqft Living Area |
| Gross Area | 1,596 sqft |
| 1st Floor Area | 1,084 sqft |
| Basement Area | 512 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Multi-Level |
| Exterior Material | Metal |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,488 sqft (0.172 acres) |
| Lot Dimensions | 144 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 231 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 119 sqft |
| Deck Area | Deck Area |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 017650A000 |
|---|---|
| Street Address | 509 S BENTON AVE |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-2643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF2 |
| Legal Description | WELKERS ADDN BLK 3 LOT 3 & PT 2 & 4 |
| Legal Subdivision | WELKERS ADDN-ST CHAS |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 310501 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 509 S BENTON AVE, SAINT CHARLES, MO 63301-2643 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jun 22, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage COMMUNITY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2021 · Amount on Record |
| Deed Sale | Jun 22, 2021 · Amount on Record |
| Prior Sale | Jan 9, 2013 · Amount on Record |
| Deed Document Number | 202152629 |
| Prior Transfer Date | Jun 15, 2021 |
| Prior Transfer Doc | 2021R052629 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 509 S BENTON AVE, SAINT CHARLES, MO 63301-2643 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 509 S BENTON AVE, SAINT CHARLES, MO 63301-2643 |
| Document Number | 0000039575 |
|---|---|
| Date | Sep 9, 2025 |
| Instrument | 2025R-039575 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 22, 2021 |
| Property Address | 509 S BENTON AVE, SAINT CHARLES, MO 63301-2643 |
| Document Number | 2021R052629 |
| Instrument Date | Jun 15, 2021 |
| Instrument | 2021R-052629 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 S BENTON AVE, SAINT CHARLES, MO 63301-2643 |
| Document Number | 2021R052630 |
|---|---|
| Date | Jun 22, 2021 |
| Instrument | 2021R-052630 |
| Name | COMMUNITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
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 | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $21,282 (-) | $112,010 (-) Land $28,572 Building $83,438 | |
| 2025 | $1,353.00 (+3.68%) | $21,282 (+6.27%) | $112,010 (+6.27%) Land $28,572 Building $83,438 |
| 2024 | $1,305.00 | ||
| 2023 | $20,027 | ||
| 2022 | $105,405 Land $21,429 Building $83,976 |
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.
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 | 92 (1979–2020) |
| Claims Outside the SFHA | 3 of 92 |
| Most Recent Claim | Aug 2020 |
| Claims by Event |
|
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 99.8% of the US · lower than 99.6% 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 480 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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