2021 Willow Trl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2021 Willow Trl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,819 sqft · built 1986
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$280,650 (Jun 2018)
Tax Bill	$3,891 (2025)
Deeds & Mortgages	Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870000353`

Property Details

APN / Parcel Number

Primary APN	`A870000353`
Alternative APN	`3-0004-6008-00-0048.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,819 sqft Living Area
1st Floor Area	1,819 sqft
Basement Area	1,775 sqft
Finished Basement	389 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	116 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A870000353
Old Parcel Number	A870000353
Street Address	2021 WILLOW TRL
City	SAINT CHARLES
State	MO
Zip	63303-4420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODFIELD #3 LOT 48
Legal Range	04E
Legal Township	46N
Legal Subdivision	WOODFIELD #3
Legal Lot Number	48
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1008
Census Tract	312300

Owner

2021 Willow Trl is owned and occupied by an individual who bought it in June 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2021 WILLOW TRL, SAINT CHARLES, MO 63303-4420
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on File
Deed Sale	Jun 28, 2018 · Amount on File
Prior Sale	Aug 11, 2015
Deed Document Number	0006941730
Deed Book / Page	6941 / 730
Record Updated	Jun 8, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 28, 2018
Property Address	2021 WILLOW TRL, SAINT CHARLES, MO 63303-4420
Document Number	0069410730
Book / Page	6941 / 0730
Map Reference	MB 25 PG 87
Instrument Date	Jun 26, 2018
Instrument	20180628000365070
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND OR

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	2021 WILLOW TRL, SAINT CHARLES, MO 63303-4420

Mortgage

Document Number	20180628000365080
Date	Jun 28, 2018
Instrument	20180628000365080

Lender

Name	AMERICAN AIRLINES FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	3.87%
Index	1-Year CMT
Max Rate	7.87%

Tax Assessment & Valuation

The 2025 property tax bill for 2021 Willow Trl was $3,891.

Source: St. Charles County assessment roll, as of July 1, 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	$3,891.00	$67,576	$355,663 Land $75,000 Building $280,663
2023		$59,125
2022			$311,182 Land $55,000 Building $256,182

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 2021 Willow Trl in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.

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

Wildfire risk around 2021 Willow Trl is low, with less than a 0.01% annual chance of 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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