2079 Willow Trl, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2079 Willow Trl, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,274 sqft · built 1986
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,331 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860002756`

Property Details

APN / Parcel Number

Primary APN	`A860002756`
Alternative APN	`3-0004-5944-00-0033.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,274 sqft Living Area
Gross Area	4,110 sqft
1st Floor Area	1,258 sqft
Basement Area	1,216 sqft
Finished Basement	800 sqft
Unfinished Basement	416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002756
Street Address	2079 WILLOW TRL
City	SAINT CHARLES
State	MO
Zip	63303-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODFIELD #2 LOT 33
Legal Subdivision	WOODFIELD #2
Legal Lot Number	33
Jurisdiction	ST CHARLES MO
Township / Civil Division	ZUMBEHL
Census Block Group	1
Census Block	1008
Census Tract	312300

Owner

2079 Willow Trl is owned and occupied by two individuals who acquired it in February 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2079 WILLOW TRL, SAINT CHARLES, MO 63303-4422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2017
Deed Sale	Feb 10, 2017
Prior Sale	Jul 14, 2014 · Amount on File
Deed Document Number	201789210
Deed Book / Page	6698 / 412
Prior Transfer Date	Feb 9, 2017
Prior Transfer Doc	0000089210
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2079 WILLOW TRL, SAINT CHARLES, MO 63303-4422
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2079 WILLOW TRL, SAINT CHARLES, MO 63303-4422

Mortgage

Document Number	0000102307
Date	Dec 29, 2020
Instrument	2020R-102307

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 2079 Willow Trl was $4,331.

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		$75,279 (-)	$396,208 (-) Land $75,000 Building $321,208
2025	$4,331.00	$75,279	$396,208 Land $75,000 Building $321,208
2023		$68,444 (+14.29%)
2022	$3,811.00	$59,888	$360,231 (+14.29%) Land $55,000 Building $305,231
2021			$315,199 Land $55,000 Building $260,199

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2079 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 2079 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.

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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