315 Willowpointe Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 315 Willowpointe Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,554 sqft · built 1984
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (May 2013)
Tax Bill	$6,170 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`567906A086`

Property Details

APN / Parcel Number

Primary APN	`567906A086`
Alternative APN	`3-0107-5632-00-0083.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,554 sqft Living Area
Gross Area	4,666 sqft
1st Floor Area	2,554 sqft
Basement Area	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	1,024 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	567906A086
Street Address	315 WILLOWPOINTE DR
City	SAINT CHARLES
State	MO
Zip	63304-7690
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKES #3 LOT 83
Legal Subdivision	LAKES #3
Legal Lot Number	83
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3025
Census Tract	311124

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	315 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage VANTAGE CU
Sep 11, 2020	Deed of Trust, Mortgage MORTGAGE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2013 · Amount on Record
Deed Sale	May 22, 2013 · Amount on Record
Deed Document Number	2013403860
Deed Book / Page	6022 / 1340
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	315 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690

Mortgage

Document Number	2021R088269
Date	Oct 25, 2021
Instrument	2021R-088269

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Amount	Amount Recorded
Term	73 Months
Due	Nov 3, 2027

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	315 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690
Document Number	0000071742
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	315 WILLOWPOINTE DR ST CHARLES MO 633047690, ST CHARLES, MO 63304-7690

Mortgage

Document Number	0000071742
Date	Sep 25, 2020
Instrument	71742

Lender

Name	MORTGAGE SOLUTIONS
Type	Mortgage Company
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2050

Tax Assessment & Valuation

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		$104,263 (-)	$548,751 (-) Building $548,751
2025	$6,170.00	$104,263 (+16.63%)	$548,751 (+16.63%)
2023		$89,399
2022			$470,523 Land $100,000 Building $370,523

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

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	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

Nearby Properties on Willowpointe Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures