528 N Benton Ave, Saint Charles, MO 63301 Property Records

St. Charles County property record for 528 N Benton Ave, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,743 sqft · built 1875
Lot Size	0.19 acres (8,265 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jul 2025)
Tax Bill	$2,704 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`014270A000`

Property Details

APN / Parcel Number

Primary APN	`014270A000`
Alternative APN	`6-009A-B152-00-0003.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,743 sqft Living Area
Gross Area	2,763 sqft
1st Floor Area	1,743 sqft
Basement Area	1,020 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,265 sqft (0.19 acres)
Lot Dimensions	95 ft deep x 87 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	014270A000
Street Address	528 N BENTON AVE
City	SAINT CHARLES
State	MO
Zip	63301-1867
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF2
Legal Description	PT CITY BLK 152
Legal Subdivision	CITY/ST CHARLES
Legal Block	152
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1043
Census Tract	310400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Commons Neighborhood Historic District listed 2017 · 243 contributing resources · NRIS 100000851

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

528 N Benton Ave is owned and occupied by two individuals who bought it in July 2025.

Source: St. Charles County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 1, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 5, 2024	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SOLUTIONS OF ST LOUIS
Sep 3, 2024	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SOLUTIONS OF ST LOUIS
Oct 11, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS OF ST LOUIS
Jul 18, 2017	Warranty Deed, Transfer · Conventional Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on File
Deed Sale	Jul 2, 2025 · Amount on File
Prior Sale	Oct 11, 2023 · Amount on File
Deed Document Number	202528143
Prior Transfer Date	Jun 30, 2025
Prior Transfer Doc	0000028142
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867

Mortgage

Document Number	0000036527
Date	Apr 26, 2021
Instrument	2021R-036527

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	176 Months
Due	Dec 1, 2035

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867

Mortgage

Document Number	0000097272
Date	Dec 1, 2021
Instrument	2021R-097272

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Nov 15, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867

Mortgage

Document Number	0000012889
Date	Apr 5, 2024
Instrument	2024R-012889

Lender

Name	MORTGAGE SOLUTIONS OF ST LOUIS
Type	Mortgage Company
Address	SAINT LOUIS, MO 63119

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867

Mortgage

Document Number	0000035798
Date	Sep 3, 2024
Instrument	2024R-035798

Lender

Name	MORTGAGE SOLUTIONS OF ST LOUIS
Type	Mortgage Company
Address	SAINT LOUIS, MO 63119

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2054

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 11, 2023
Property Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867
Document Number	0000041874
Instrument Date	Oct 6, 2023
Instrument	2023R-041874
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 FOX RUN DR, WRIGHT CITY, MO 63390-1804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867

Mortgage

Document Number	0000041875
Date	Oct 11, 2023
Instrument	2023R-041875

Lender

Name	MORTGAGE SOLUTIONS OF ST LOUIS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 18, 2017
Property Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867
Document Number	0067761618
Book / Page	6776 / 1618
Instrument Date	Jul 13, 2017
Instrument	20170718000442240
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3180 RIDGEVIEW DR, 3180, SAINT CHARLES, MO 63301-0868

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 N BENTON AVE, SAINT CHARLES, MO 63301-1867

Mortgage

Document Number	, 20170718000442250
Date	Jul 18, 2017
Instrument	20170718000442250

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 528 N Benton Ave was $2,704.

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	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,054 (-)	$226,600 (-) Land $50,000 Building $176,600
2025	$2,704.00	$43,054	$226,600 Land $50,000 Building $176,600
2023		$40,386
2022			$212,559 Land $37,500 Building $175,059

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

FEMA maps place 528 N Benton Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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
Nearby Flood Claims	3 (1979–1985)
Most Recent Claim	Aug 1985 · tidal / storm surge

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

The area around 528 N Benton Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL 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

May also be available: T-Mobile.

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