2012 Willow Trl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2012 Willow Trl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,221 sqft · built 1986
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$382,500 (Oct 2020)
Tax Bill	$4,641 (2025)
Deeds & Mortgages	Jan 2021 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870000345`

Property Details

APN / Parcel Number

Primary APN	`A870000345`
Alternative APN	`3-0004-6008-00-0014.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,221 sqft Living Area
Gross Area	4,075 sqft
1st Floor Area	2,395 sqft
Basement Area	1,092 sqft
Finished Basement	826 sqft
Unfinished Basement	266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	124 sqft
Deck Area	Deck Area
Patio Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000345
Street Address	2012 WILLOW TRL
City	SAINT CHARLES
State	MO
Zip	63303-4419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODFIELD #3 LOT 14
Legal Subdivision	WOODFIELD #3
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1007
Census Tract	312300

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	2012 WILLOW TRL, SAINT CHARLES, MO 63303-4419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Correction Deed, Transfer NOT AVAILABLE
Oct 13, 2020	Warranty Deed, Transfer FIRST INTEGRITY MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Prior Sale	Oct 13, 2020 · Amount on Record
Deed Document Number	202077093
Prior Transfer Date	Aug 30, 2018
Prior Transfer Doc	0069720502
Record Updated	Jun 8, 2026

January 2021: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 12, 2021
Property Address	2012 WILLOW TRL, SAINT CHARLES, MO 63303-4419
Document Number	0000003432
Instrument Date	Jan 12, 2021
Instrument	3432
Transaction Type	Transfer
Record Updated	Mar 25, 2021
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2012 WILLOW TRL ST CHARLES MO 633034419, ST CHARLES, MO 63303-4419

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 13, 2020
Property Address	2012 WILLOW TRL, SAINT CHARLES, MO 63303-4419
Document Number	0000077093
Instrument Date	Oct 5, 2020
Instrument	77093
Transaction Type	Transfer
Record Updated	Jan 26, 2021
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2012 WILLOW TRL ST CHARLES MO 633034419, ST CHARLES, MO 63303-4419

Mortgage

Document Number	77094
Date	Oct 13, 2020
Instrument	77094

Lender

Name	FIRST INTEGRITY MTG SVCS
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

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	St. Charles 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	$4,641.00 (+8.99%)	$80,711 (+12.26%)	$424,794 (+12.26%) Land $75,000 Building $349,794
2024	$4,258.00
2023		$71,894
2022			$378,389 Land $55,000 Building $323,389

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	21 (1979–2008)
Claims Outside the SFHA	3 of 21
Most Recent Claim	Jun 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2008 · 2 claims Severe Storms & Flooding, Jul 1993 · 8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 398 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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