St. Charles County property record for 810 Benefit St, O Fallon, MO 63368
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 1,644 sqft · built 2012 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $246,422 (Dec 2012) |
| Tax Bill | $4,194 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T091600042 |
| Primary APN | T091600042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,644 sqft Living Area |
| Gross Area | 3,688 sqft |
| 1st Floor Area | 1,644 sqft |
| Basement Area | 1,644 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick/Stone |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T091600042 |
|---|---|
| Street Address | 810 BENEFIT ST |
| City | O FALLON |
| State | MO |
| Zip | 63368-7348 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | PROVIDENCE #10 LOT 46 |
| Legal Subdivision | PROVIDENCE #10 |
| Legal Lot Number | 46 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 311154 |
Source: St. Charles County records, as of May 4, 2026
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 | 810 BENEFIT ST, O FALLON, MO 63368-7348 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A |
| Aug 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2012 · Amount on Record |
| Deed Sale | Dec 13, 2012 · Amount on Record |
| Prior Sale | Oct 6, 2010 |
| Deed Document Number | 2012960540 |
| Deed Book / Page | 5916 / 2427 |
| Last Transfer Date | Sep 17, 2015 |
| Transfer Doc | 0000690740 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 22, 2026 |
| Property Address | 810 BENEFIT ST, O FALLON, MO 63368-7348 |
| Document Number | 0000018445 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 202618445 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TEAM TITLE SERVICES, AMT TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 810 BENEFIT ST, O FALLON, MO 63368-7348 |
| Document Number | 0000018445, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 202618445 |
| Name | U S BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 810 BENEFIT ST, DARDENNE PRAIRIE, MO 63368-7348 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073652424 |
|---|---|
| Date | Aug 7, 2020 |
| Book Page | 7365/2424 |
| Instrument | 20200807000564770 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Apr 1, 2050 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| Municipality | Dardenne Prairie City |
| County | St. Charles County |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,194.00 (+10.69%) | $69,238 (+13.93%) | $364,412 (+13.93%) Building $364,412 |
| 2024 | $3,789.00 | ||
| 2023 | $60,771 | ||
| 2022 | $319,847 Building $319,847 |
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.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 435 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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