638 Bennington Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 638 Bennington Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,224 sqft · built 1995
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Aug 2020)
Tax Bill	$4,964 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A963000511`

Property Details

APN / Parcel Number

Primary APN	`A963000511`
Alternative APN	`3-157C-7305-00-0410.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,224 sqft Living Area
Gross Area	4,482 sqft
1st Floor Area	2,424 sqft
Basement Area	1,617 sqft
Finished Basement	800 sqft
Unfinished Basement	817 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	276 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A963000511
Street Address	638 BENNINGTON DR
City	SAINT CHARLES
State	MO
Zip	63304-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO EST #4 LOT 410
Legal Subdivision	MONTICELLO EST #4
Legal Lot Number	410
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3032
Census Tract	311124

Owner

638 Bennington Dr is owned and occupied by two individuals who bought it in August 2020.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	638 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
Aug 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2020 · Amount on File
Deed Sale	Aug 10, 2020 · Amount on File
Prior Sale	Aug 30, 2012 · Amount on File
Deed Document Number	2020568090
Deed Book / Page	7367 / 126
Prior Transfer Date	Jun 9, 1998
Prior Transfer Doc	0000045320
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	638 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Mortgage

Document Number	2021R023071
Date	Mar 16, 2021
Instrument	2021R-023071

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 10, 2020
Property Address	638 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Document Number	0073670126
Book / Page	7367 / 126
Map Reference	MB 32 PG 284
Instrument Date	Aug 3, 2020
Instrument	20200810000568090
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Mortgage

Document Number	20200810000568100
Date	Aug 10, 2020
Instrument	20200810000568100

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 638 Bennington Dr was $4,964, up 3.5% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon 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		$77,967 (-)	$410,355 (-) Land $72,380 Building $337,975
2025	$4,964.00 (+3.55%)	$77,967	$410,355 Land $72,380 Building $337,975
2024	$4,794.00
2023		$74,619
2022			$392,734 Land $55,000 Building $337,734

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 638 Bennington Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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

Wildfire risk around 638 Bennington Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.03% 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 191 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
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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