3121 Willow Bend Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3121 Willow Bend Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,150 sqft · built 1986
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Aug 2025)
Tax Bill	$4,332 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A870001070`

Property Details

APN / Parcel Number

Primary APN	`A870001070`
Alternative APN	`3-0015-6006-00-0202.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,150 sqft Living Area
Gross Area	3,778 sqft
1st Floor Area	1,182 sqft
Basement Area	1,122 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Masonry Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	115 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870001070
Street Address	3121 WILLOW BEND DR
City	SAINT CHARLES
State	MO
Zip	63303-6536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MERRIWEATHER PK #1 LOT 202
Legal Subdivision	MERRIWEATHER PK #1
Legal Lot Number	202
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1006
Census Tract	311147

Owner

3121 Willow Bend Dr is owned and occupied by an individual who bought it in August 2025.

Source: St. Charles County records, as of October 14, 2026

Owner of Record	Individual Name on File
Mailing Address	3121 WILLOW BEND DR, SAINT CHARLES, MO 63303-6536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2025 · Amount on File
Deed Sale	Aug 4, 2025 · Amount on File
Prior Sale	Jun 3, 2009 · Amount on File
Deed Document Number	202533379
Prior Transfer Date	Oct 6, 2014
Prior Transfer Doc	0062541302
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3121 WILLOW BEND DR, SAINT CHARLES, MO 63303-6536
Document Number	0000072038
Instrument Date	Sep 14, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3121 WILLOW BEND DR ST CHARLES MO 633036536, ST CHARLES, MO 63303-6536

Mortgage

Document Number	0000072038
Date	Sep 28, 2020
Instrument	72038

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 27, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3121 Willow Bend Dr was $4,332, up 6.7% from the year before.

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

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
2026		$72,203 (-)	$380,015 (-) Land $63,000 Building $317,015
2025	$4,332.00 (+6.7%)	$72,203	$380,015 Land $63,000 Building $317,015
2024	$4,060.00
2023		$65,644
2022			$345,495 Land $45,000 Building $300,495

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

FEMA maps place 3121 Willow Bend Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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	2 (1982–1983)
Most Recent Claim	Apr 1983 · rainfall accumulation

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

The area around 3121 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.

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 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