3138 Willow Bend Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3138 Willow Bend Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,374 sqft · built 1986
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Sep 2017)
Tax Bill	$4,662 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870001054`

Property Details

APN / Parcel Number

Primary APN	`A870001054`
Alternative APN	`3-0037-6006-00-0033.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,374 sqft Living Area
Gross Area	4,099 sqft
1st Floor Area	1,329 sqft
Basement Area	1,305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
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	420 sqft
Parking Spaces	2 Parking Spaces
Patio Area	306 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870001054
Street Address	3138 WILLOW BEND DR
City	SAINT CHARLES
State	MO
Zip	63303-6537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MERRIWEATHER PK #1 LOT 33
Legal Subdivision	MERRIWEATHER PK #1
Legal Lot Number	33
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1004
Census Tract	311148

Owner

3138 Willow Bend Dr is owned and occupied by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	3138 WILLOW BEND DR, SAINT CHARLES, MO 63303-6537
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2017 · Amount on File
Deed Sale	Sep 25, 2017 · Amount on File
Prior Sale	Nov 8, 2004 · Amount on File
Deed Document Number	2017600990
Deed Book / Page	6812 / 1418
Prior Transfer Date	Oct 16, 2015
Prior Transfer Doc	0068121420
Record Updated	Oct 29, 2026

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2017
Property Address	3138 WILLOW BEND DR, SAINT CHARLES, MO 63303-6537
Document Number	0068121418
Book / Page	6812 / 1418
Map Reference	MB 25 PG 85
Instrument Date	Oct 16, 2015
Instrument	20170925000600990
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3138 WILLOW BEND DR, SAINT CHARLES, MO 63303-6537

Mortgage

Document Number	20170925000601000
Date	Sep 25, 2017
Instrument	20170925000601000

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Oct 1, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 3138 Willow Bend Dr was $4,662, up 6.4% 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		$77,729 (-)	$409,100 (-) Land $63,000 Building $346,100
2025	$4,662.00 (+6.44%)	$77,729	$409,100 Land $63,000 Building $346,100
2024	$4,380.00
2023		$70,854
2022			$372,917 Land $45,000 Building $327,917

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 3138 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	16 (1979–2024)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms & Flooding, Jul 1993 · 3 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 3138 Willow Bend Dr 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 92% 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 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