St. Charles County property record for 3142 Willow Bend Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,244 sqft · built 1991 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,300 (Jul 2020) |
| Tax Bill | $4,769 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001064 |
| Primary APN | A870001064 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,244 sqft Living Area |
| Gross Area | 4,118 sqft |
| 1st Floor Area | 1,198 sqft |
| Basement Area | 1,184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Bi-Level |
| Exterior Material | Masonry Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 222 sqft |
| Deck Area | Deck Area |
| Patio Area | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870001064 |
|---|---|
| Street Address | 3142 WILLOW BEND DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MERRIWEATHER PK #1 LOT 43 |
| Legal Subdivision | MERRIWEATHER PK #1 |
| Legal Lot Number | 43 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311148 |
3142 Willow Bend Dr is owned and occupied by an individual who bought it in July 2020.
Source: St. Charles County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3142 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| 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.
| Date | Document |
|---|---|
| Aug 14, 2018 | Deed of Trust, Mortgage VANTAGE CU |
| Jul 2, 2020 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2020 · Amount on File |
| Deed Sale | Jul 2, 2020 · Amount on File |
| Prior Sale | May 2, 2008 · Amount on File |
| Deed Document Number | 2020457680 |
| Deed Book / Page | 7335 / 2087 |
| Prior Transfer Date | Jun 24, 2020 |
| Prior Transfer Doc | 0073352087 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3142 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069621381 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 6962/1381 |
| Instrument | 20180814000463000 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | BRIDGETON, MO 63044 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Aug 1, 2033 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 2, 2020 |
| Property Address | 3142 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Document Number | 0073352087 |
| Book / Page | 7335 / 2087 |
| Map Reference | MB 25 PG 85 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 20200702000457680 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CAPITAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3142 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Document Number | 20200702000457690 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 20200702000457690 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 315 Months |
| Due | Oct 1, 2046 |
The 2025 property tax bill for 3142 Willow Bend Dr was $4,769, up 6.7% from the year before.
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 | $79,523 (-) | $418,540 (-) Land $70,000 Building $348,540 | |
| 2025 | $4,769.00 (+6.74%) | $79,523 | $418,540 Land $70,000 Building $348,540 |
| 2024 | $4,468.00 | ||
| 2023 | $72,294 | ||
| 2022 | $380,496 Land $50,000 Building $330,496 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3142 Willow Bend Dr in Zone X, an area of minimal flood risk, within 100 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 100 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 |
|
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 risk around 3142 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.
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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