St. Charles County property record for 3129 Willow Bend Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,630 sqft · built 1986 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Company Names on File |
| Tax Bill | $3,432 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001068 |
| Primary APN | A870001068 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,630 sqft Living Area |
| Gross Area | 3,736 sqft |
| 1st Floor Area | 1,630 sqft |
| Basement Area | 1,602 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 326 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870001068 |
|---|---|
| Street Address | 3129 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 200 |
| Legal Subdivision | MERRIWEATHER PK #1 |
| Legal Lot Number | 200 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311147 |
3129 Willow Bend Dr is owned by a company that acquired it in November 1999.
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 Company Names on File |
|---|---|
| Mailing Address | 3129 WILLOW BEND DR, SAINT CHARLES, MO 63303-6536 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK |
| Jul 28, 2020 | Deed of Trust, Mortgage · Line of Credit CARROLLTON BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 24, 1999 |
| Transfer Doc | 0000095855 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3129 WILLOW BEND DR, SAINT CHARLES, MO 63303-6536 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3129 WILLOW BEND DR, SAINT CHARLES, MO 63303-6536 |
| Document Number | 0000012965 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 2022R-012965 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3129 WILLOW BEND DR, SAINT CHARLES, MO 63303-6536 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073560816 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 7356/816 |
| Instrument | 20200728000532440 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3129 Willow Bend Dr was $3,432.
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 | $57,102 (-) | $300,536 (-) Land $63,000 Building $237,536 | |
| 2025 | $3,432.00 | $57,102 | $300,536 Land $63,000 Building $237,536 |
| 2023 | $51,817 | ||
| 2022 | $272,720 Land $45,000 Building $227,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3129 Willow Bend Dr in Zone X, an area of minimal flood risk, within 500 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 A, within 500 ft |
| 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.
The area around 3129 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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