2075 Willow Trl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2075 Willow Trl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,392 sqft · built 1986
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Apr 2018)
Tax Bill	$4,135 (2025)
Deeds & Mortgages	Aug 2021 Transfer Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A870000375`

Property Details

APN / Parcel Number

Primary APN	`A870000375`
Alternative APN	`3-0004-6009-00-0034.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,392 sqft Living Area
Gross Area	3,712 sqft
1st Floor Area	1,880 sqft
Basement Area	896 sqft
Finished Basement	512 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	272 sqft
Deck Area	Deck Area
Patio Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000375
Street Address	2075 WILLOW TRL
City	SAINT CHARLES
State	MO
Zip	63303-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODFIELD #4 LOT 34
Legal Subdivision	WOODFIELD #4
Legal Lot Number	34
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1008
Census Tract	312300

Owner

Source: St. Charles County records, as of September 10, 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	2075 WILLOW TRL, SAINT CHARLES, MO 63303-4422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Intrafamily Transfer, Transfer
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Jan 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Apr 18, 2018	Warranty Deed, Transfer BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2018 · Amount on Record
Deed Sale	Apr 18, 2018 · Amount on Record
Prior Sale	Aug 2, 2006 · Amount on Record
Deed Document Number	2018211300
Deed Book / Page	6907 / 22
Last Transfer Date	Aug 5, 2021
Transfer Doc	2021R071275
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2021
Property Address	2075 WILLOW TRL, SAINT CHARLES, MO 63303-4422
Document Number	2021R071275
Map Reference	MB 25 PG 82
Instrument Date	Aug 5, 2021
Instrument	2021R-071275
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 GARDEN GATE CT, SAINT PETERS, MO 63304-2803

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2075 WILLOW TRL, SAINT CHARLES, MO 63303-4422
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2075 WILLOW TRAIL, ANNADA, MO 63300

Mortgage

Document Number	2021R021446
Date	Mar 11, 2021
Instrument	2021R-021446

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2075 WILLOW TRL, SAINT CHARLES, MO 63303-4422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072101000
Date	Jan 3, 2020
Book Page	7210/1000
Instrument	20200103000004980

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 18, 2018
Property Address	2075 WILLOW TRL, SAINT CHARLES, MO 63303-4422
Document Number	0069070022
Book / Page	006907 / 000022
Instrument Date	Apr 16, 2018
Instrument	211300
Transaction Type	Transfer
Record Updated	May 16, 2018
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	2075 WILLOW TRL ST CHARLES MO 633034422, ST CHARLES, MO 63303-4422

Mortgage

Document Number	69070024
Date	Apr 18, 2018
Book Page	006907/000024
Instrument	211310

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2048

Tax Assessment & Valuation

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

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
2026		$71,852 (-)	$378,170 (-) Land $75,000 Building $303,170
2025	$4,135.00 (+11.58%)	$71,852 (+14.98%)	$378,170 (+14.98%) Land $75,000 Building $303,170
2024	$3,706.00
2023		$62,491
2022			$328,899 Land $55,000 Building $273,899

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 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.

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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