642 Bennington Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 642 Bennington Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,580 sqft · built 1996
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Jul 2017)
Tax Bill	$4,853 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A963000513`

Property Details

APN / Parcel Number

Primary APN	`A963000513`
Alternative APN	`3-157C-7305-00-0412.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,580 sqft Living Area
Gross Area	4,491 sqft
1st Floor Area	2,580 sqft
Basement Area	1,293 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	185 sqft
Patio Area	121 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A963000513
Street Address	642 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 412
Legal Subdivision	MONTICELLO EST #4
Legal Lot Number	412
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3032
Census Tract	311124

Owner

Source: St. Charles County records, as of August 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	642 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jul 11, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage TITLE SOURCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Jul 6, 2009 · Amount on Record
Deed Document Number	2017425810
Deed Book / Page	6772 / 1722
Prior Transfer Date	Jun 30, 2017
Prior Transfer Doc	0067721722
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	642 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Transaction Type	Mortgage
Record Updated	Mar 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Mortgage

Document Number	0000006734
Date	Feb 22, 2024
Instrument	2024R-006734

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 11, 2017
Property Address	642 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Document Number	0067721722
Book / Page	6772 / 1722
Map Reference	MB 32 PG 284
Instrument Date	Jun 30, 2017
Instrument	20170711000425810
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	TITLE SOURCE INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	642 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Mortgage

Document Number	, 20170711000425820
Date	Jul 11, 2017
Instrument	20170711000425820

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2032

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$4,853.00 (+1.32%)	$76,215 (+2.23%)	$401,130 (+2.23%) Land $72,380 Building $328,750
2024	$4,790.00
2023		$74,549
2022			$392,365 Land $55,000 Building $337,365

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 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

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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