St. Charles County property record for 3170 Willow Bend Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,115 sqft · built 1994 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $40,000 (Jan 2025) |
| Tax Bill | $3,945 (2025) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Apr 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000397 |
| Primary APN | A953000397 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,115 sqft Living Area |
| Gross Area | 3,792 sqft |
| 1st Floor Area | 1,715 sqft |
| Basement Area | 1,697 sqft |
| Finished Basement | 1,400 sqft |
| Unfinished Basement | 297 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000397 |
|---|---|
| Street Address | 3170 WILLOW BEND DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE STAT LOT 90 |
| Legal Subdivision | COLLEGE STAT |
| Legal Lot Number | 90 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311148 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4 MORNING MIST CT, SAINT PETERS, MO 63376-5337 |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Sep 4, 2020 | Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Apr 23, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2025 · Amount on Record |
| Deed Sale | Jan 27, 2025 · Amount on Record |
| Prior Sale | Sep 4, 2020 · Amount on Record |
| Deed Document Number | 20253321 |
| Prior Transfer Date | Jan 21, 2025 |
| Prior Transfer Doc | 0000003321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 4, 2020 |
| Property Address | 3170 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Document Number | 0000065268 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 65268 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3170 WILLOW BEND DR ST CHARLES MO 633036538, ST CHARLES, MO 63303-6538 |
| Document Number | 65269 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 65269 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 3, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 23, 2018 |
| Property Address | 3170 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Document Number | 0069081275 |
| Book / Page | 006908 / 001275 |
| Instrument Date | Oct 21, 2014 |
| Instrument | 219040 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3170 WILLOW BEND DR ST CHARLES MO 633036538, ST CHARLES, MO 63303-6538 |
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 | $65,708 (-) | $345,832 (-) Land $56,000 Building $289,832 | |
| 2025 | $3,945.00 | $65,708 (+7.83%) | $345,832 (+7.83%) Land $56,000 Building $289,832 |
| 2023 | $60,938 | ||
| 2022 | $320,727 Land $40,000 Building $280,727 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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