644 Bennington Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 644 Bennington Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,713 sqft · built 1996
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jan 2020)
Tax Bill	$4,548 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A963000514`

Property Details

APN / Parcel Number

Primary APN	`A963000514`
Alternative APN	`3-157C-7305-00-0413.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,713 sqft Living Area
1st Floor Area	1,713 sqft
Basement Area	1,633 sqft
Finished Basement	906 sqft

Exterior

Year Built	Built 1996
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	44 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A963000514
Old Parcel Number	A963000514
Street Address	644 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 413
Legal Range	03E
Legal Township	46N
Legal Subdivision	MONTICELLO EST #4
Legal Lot Number	413
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 March 16, 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
Co-owner	Co-owner on Record
Mailing Address	644 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 16, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Jul 18, 2018	Warranty Deed, Transfer US TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Jul 18, 2018 · Amount on Record
Deed Document Number	0072162306
Deed Book / Page	7216 / 2306
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	644 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Mortgage

Document Number	0000096375
Date	Nov 29, 2021
Instrument	2021R-096375

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 16, 2020
Property Address	644 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Document Number	0072162306
Book / Page	7216 / 2306
Map Reference	MB 32 PG 284
Instrument Date	Jan 10, 2020
Instrument	20200116000031340
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12339 CONWAY RD, 12339, SAINT LOUIS, MO 63141-8632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 BENNINGTON DR, SAINT CHARLES, MO 63304-1022

Mortgage

Document Number	20200116000031350
Date	Jan 16, 2020
Instrument	20200116000031350

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 18, 2018
Property Address	644 BENNINGTON DR, SAINT CHARLES, MO 63304-1022
Document Number	0069492416
Book / Page	006949 / 002416
Instrument Date	Jul 12, 2018
Instrument	405270
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	644 BENNINGTON DR ST CHARLES MO 633041022, ST CHARLES, MO 63304-1022

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 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	$4,548.00	$71,381 (+9.81%)	$375,691 (+9.81%)
2023		$65,005
2022			$342,134 Land $55,000 Building $287,134

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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