26 Willow Way, Saint Charles, MO 63304 Property Records

St. Charles County property record for 26 Willow Way, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 1966
Lot Size	0.231 acres (10,044 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Sep 2020)
Tax Bill	$2,760 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`547230A000`

Property Details

APN / Parcel Number

Primary APN	`547230A000`
Alternative APN	`3-0114-4007-00-0026.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,374 sqft Living Area
Gross Area	2,895 sqft
1st Floor Area	1,374 sqft
Basement Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,044 sqft (0.231 acres)
Lot Dimensions	124 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	128 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	547230A000
Street Address	26 WILLOW WAY
City	SAINT CHARLES
State	MO
Zip	63304-7223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CLOVER MEADOWS LOT 26
Legal Subdivision	CLOVER MEADOWS
Legal Lot Number	26
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2030
Census Tract	311322

Owner

26 Willow Way is owned and occupied by two individuals who bought it in September 2020.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	26 WILLOW WAY, SAINT CHARLES, MO 63304-7223
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

Date	Document
Sep 25, 2020	Warranty Deed, Transfer US BK
Sep 29, 2020	Quit Claim Deed, Transfer FREEDOM TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2020 · Amount on File
Deed Sale	Sep 25, 2020 · Amount on File
Prior Sale	Sep 25, 2020 · Amount on File
Deed Document Number	202071821
Prior Transfer Date	Sep 21, 2020
Prior Transfer Doc	2020R072953
Record Updated	Jun 8, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2020
Property Address	26 WILLOW WAY, SAINT CHARLES, MO 63304-7223
Document Number	0000071821
Instrument Date	Sep 21, 2020
Instrument	71821
Transaction Type	Transfer
Record Updated	Dec 24, 2020
Title Company	FREEDOM TITLE

Transaction

Amount	Amount on Record
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
Address	26 WILLOW WAY ST CHARLES MO 633047223, ST CHARLES, MO 63304-7223

Mortgage

Document Number	71822
Date	Sep 25, 2020
Instrument	71822

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 29, 2020
Property Address	26 WILLOW WAY, SAINT CHARLES, MO 63304-7223
Document Number	0000072953
Instrument Date	Sep 21, 2020
Instrument	72953
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 WILLOW WAY ST CHARLES MO 633047223, ST CHARLES, MO 63304-7223

Tax Assessment & Valuation

The 2025 property tax bill for 26 Willow Way was $2,760, up 9.1% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,760.00 (+9.13%)	$46,385	$244,129 Land $47,140 Building $196,989
2024	$2,529.00
2023		$42,185
2022			$222,027 Land $47,140 Building $174,887

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

Flood

FEMA maps place 26 Willow Way in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	24 (1982–2022)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 5 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Sep 1993 · 2 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 26 Willow Way is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.02% 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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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