640 Bennington Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 640 Bennington Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,965 sqft · built 1995
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$367,500 (Jun 2023)
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`A963000512`

Property Details

APN / Parcel Number

Primary APN	`A963000512`
Alternative APN	`3-157C-7305-00-0411.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,965 sqft Living Area
Gross Area	3,867 sqft
1st Floor Area	1,732 sqft
Basement Area	1,644 sqft
Finished Basement	1,233 sqft
Unfinished Basement	411 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Deck Area	Deck Area
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A963000512
Street Address	640 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 411
Legal Subdivision	MONTICELLO EST #4
Legal Lot Number	411
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3032
Census Tract	311124

Owner

640 Bennington Dr is owned and occupied by two individuals who bought it in June 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	640 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
Jun 9, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 23, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on File
Deed Sale	Jun 9, 2023 · Amount on File
Prior Sale	Dec 14, 2015 · Amount on File
Deed Document Number	202322419
Prior Transfer Date	May 18, 2022
Prior Transfer Doc	0000029188
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2023
Property Address	640 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Document Number	0000022419
Map Reference	MB 32 PG 284&285
Instrument Date	Jun 7, 2023
Instrument	2023R-022419
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4553 CANE CREEK RD, BAKERSVILLE, NC 28705-8012

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Mortgage

Document Number	0000022420
Date	Jun 9, 2023
Instrument	2023R-022420

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 23, 2022
Property Address	640 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Document Number	0000029188
Map Reference	MB 32 PG 284-285
Instrument Date	May 18, 2022
Instrument	2022R-029188
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	640 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Tax Assessment & Valuation

The 2025 property tax bill for 640 Bennington Dr was $4,726, up 16.7% 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		$74,202 (-)	$390,539 (-) Building $390,539
2025	$4,726.00 (+16.72%)	$74,202	$390,539 Building $390,539
2024	$4,049.00
2023		$62,917
2022			$331,142 Land $55,000 Building $276,142

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 640 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 640 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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