16 Willow Way, Saint Charles, MO 63304 Property Records

St. Charles County property record for 16 Willow Way, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,675 sqft · built 1972
Lot Size	0.215 acres (9,375 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Jan 2008)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`546930A000`

Property Details

APN / Parcel Number

Primary APN	`546930A000`
Alternative APN	`3-0114-4007-00-0016.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,675 sqft Living Area
Gross Area	2,350 sqft
1st Floor Area	1,175 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	35 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	546930A000
Street Address	16 WILLOW WAY
City	SAINT CHARLES
State	MO
Zip	63304-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CLOVER MEADOWS LOT 16
Legal Subdivision	CLOVER MEADOWS
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2030
Census Tract	311322

Owner

16 Willow Way is owned and occupied by an individual who bought it in January 2008.

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

Owner of Record	Individual Name on File
Mailing Address	16 WILLOW WAY, SAINT CHARLES, MO 63304-7223
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
Jul 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage ST CHARLES COUNTY
Aug 18, 2020	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2008 · Amount on File
Deed Sale	Jan 3, 2008 · Amount on File
Deed Document Number	20083410
Deed Book / Page	4903 / 2368
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 WILLOW WAY, SAINT CHARLES, MO 63304-7223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071071474
Date	Jul 18, 2019
Book Page	7107/1474
Instrument	20190718000367330

Lender

Name	ST CHARLES COUNTY
Type	Government Agency
Address	SAINT CHARLES, MO 63301

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 WILLOW WAY, SAINT CHARLES, MO 63304-7223
Document Number	0000064645
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WILLOW WAY ST CHARLES MO 633047223, ST CHARLES, MO 63304-7223

Mortgage

Document Number	0000064645
Date	Sep 3, 2020
Instrument	64645

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 2, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 16 Willow Way was $2,961.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$49,794 (-)	$262,071 (-) Land $47,140 Building $214,931
2025	$2,961.00	$49,794	$262,071 Land $47,140 Building $214,931
2023		$44,610
2022			$234,789 Land $47,140 Building $187,649

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 16 Willow Way in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	24 (1982–2022)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 5 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Sep 1993 · 2 claims

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 16 Willow Way is low, with a 0.02% 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 91% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 131 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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