St. Charles County property record for 2072 Willow Trl, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,037 sqft · built 1986 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,500 (Sep 2022) |
| Tax Bill | $4,505 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A870000373 |
| Primary APN | A870000373 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,037 sqft Living Area |
| Gross Area | 3,883 sqft |
| 1st Floor Area | 1,291 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 810 sqft |
| Unfinished Basement | 366 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 72 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870000373 |
|---|---|
| Street Address | 2072 WILLOW TRL |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODFIELD #4 LOT 30 |
| Legal Subdivision | WOODFIELD #4 |
| Legal Lot Number | 30 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 312300 |
2072 Willow Trl is owned and occupied by two individuals who acquired it in July 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2072 WILLOW TRL, SAINT CHARLES, MO 63303-4421 |
| 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.
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST |
| Sep 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on File |
| Deed Sale | Sep 29, 2022 · Amount on File |
| Deed Document Number | 202253520 |
| Last Transfer Date | Jul 2, 2024 |
| Transfer Doc | 0000028061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2072 WILLOW TRL, SAINT CHARLES, MO 63303-4421 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 2072 WILLOW TRL, SAINT CHARLES, MO 63303-4421 |
| Document Number | 0000044384 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 2022R-044384 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Aug 15, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 29, 2022 |
| Property Address | 2072 WILLOW TRL, SAINT CHARLES, MO 63303-4421 |
| Document Number | 0000053520 |
| Map Reference | MB 25 PG 88 |
| Instrument Date | Sep 20, 2022 |
| Instrument | 2022R-053520 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2072 WILLOW TRL, SAINT CHARLES, MO 63303-4421 |
| Document Number | 0000053521 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 2022R-053521 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 2072 Willow Trl was $4,505.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,333 (-) | $412,280 (-) Land $75,000 Building $337,280 | |
| 2025 | $4,505.00 | $78,333 | $412,280 Land $75,000 Building $337,280 |
| 2023 | $69,485 | ||
| 2022 | $365,711 Land $55,000 Building $310,711 |
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.
FEMA maps place 2072 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 |
|
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 risk around 2072 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 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 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 |
| 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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures