St. Charles County property record for 3104 Willow Bend Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,710 sqft · built 1993 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Sep 2024) |
| Tax Bill | $4,294 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001023 |
| Primary APN | A870001023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,710 sqft Living Area |
| Gross Area | 3,740 sqft |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,008 sqft |
| Finished Basement | 550 sqft |
| Unfinished Basement | 458 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 125 sqft |
| Deck Area | Deck Area |
| Patio Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870001023 |
|---|---|
| Street Address | 3104 WILLOW BEND DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MERRIWEATHER PK #1 LOT 2 |
| Legal Subdivision | MERRIWEATHER PK #1 |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311148 |
3104 Willow Bend Dr is owned and occupied by two individuals who bought it in September 2024.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3104 WILLOW BEND DR, SAINT CHARLES, MO 63303-6535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2024 · Amount on File |
| Deed Sale | Sep 20, 2024 · Amount on File |
| Prior Sale | Oct 29, 2004 · Amount on File |
| Deed Document Number | 202438838 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 3104 Willow Bend Dr was $4,294.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,571 (-) | $376,691 (-) Land $56,000 Building $320,691 | |
| 2025 | $4,294.00 | $71,571 | $376,691 Land $56,000 Building $320,691 |
| 2023 | $65,345 | ||
| 2022 | $343,923 Land $40,000 Building $303,923 |
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 3104 Willow Bend Dr in Zone X, an area of minimal flood risk, though there have been 16 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 16 (1979–2024) |
| Claims Outside the SFHA | 1 of 16 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| 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.
The area around 3104 Willow Bend Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 347 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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