St. Charles County property record for 3108 Willow Bend Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,636 sqft · built 1986 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Jul 2021) |
| Tax Bill | $4,280 (2025) |
| Deeds & Mortgages | Mar 2023 Sale Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001024 |
| Primary APN | A870001024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,636 sqft Living Area |
| Gross Area | 3,676 sqft |
| 1st Floor Area | 1,210 sqft |
| Basement Area | 1,084 sqft |
| Finished Basement | 506 sqft |
| Unfinished Basement | 578 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | Deck Area |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870001024 |
|---|---|
| Street Address | 3108 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 3 |
| Legal Subdivision | MERRIWEATHER PK #1 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311148 |
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 Record |
|---|---|
| Mailing Address | 3108 WILLOW BEND DR, SAINT CHARLES, MO 63303-6535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2023 | Beneficiary Deed, Transfer |
| Jul 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO |
| Jun 10, 2020 | Deed of Trust, Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2021 · Amount on Record |
| Deed Sale | Jul 21, 2021 · Amount on Record |
| Prior Sale | Jul 29, 2015 · Amount on Record |
| Deed Document Number | 202161197 |
| Last Transfer Date | Mar 21, 2023 |
| Transfer Doc | 0000010596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 22, 2023 |
| Property Address | 3108 WILLOW BEND DR, SAINT CHARLES, MO 63303-6535 |
| Document Number | 0000010596 |
| Map Reference | MB 25 PG 85 |
| Instrument Date | Mar 21, 2023 |
| Instrument | 2023R-010596 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 3108 WILLOW BEND DR, SAINT CHARLES, MO 63303-6535 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 21, 2021 |
| Property Address | 3108 WILLOW BEND DR, SAINT CHARLES, MO 63303-6535 |
| Document Number | 0000061197 |
| Map Reference | MB 25 PG 85 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 2021R-061197 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4807 BROOKE CONTE ST, 4807, WENTZVILLE, MO 63385 |
| Name | Verified Name |
|---|---|
| Address | 7801 POINT MEADOWS DR UNIT 8210, 8210, JACKSONVILLE, FL 32256-9174 |
| Document Number | 0000061198 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 2021R-061198 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3108 WILLOW BEND DR, SAINT CHARLES, MO 63303-6535 |
| Document Number | 0073251947 |
| Instrument Date | Jun 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3108 WILLOW BEND DR ST CHARLES MO 633036535, ST CHARLES, MO 63303-6535 |
| Document Number | 0073251947 |
|---|---|
| Date | Jun 19, 2020 |
| Book Page | 007325/001947 |
| Instrument | 422750 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jun 18, 2035 |
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 | $71,324 (-) | $375,389 (-) Land $56,000 Building $319,389 | |
| 2025 | $4,280.00 | $71,324 (+9.47%) | $375,389 (+9.47%) Land $56,000 Building $319,389 |
| 2023 | $65,153 | ||
| 2022 | $342,912 Land $40,000 Building $302,912 |
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.
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.
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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