3176 Willow Bend Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 3176 Willow Bend Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,858 sqft · built 1994
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$217,500 (Jan 2016)
Tax Bill	$3,937 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A953000398`

Property Details

APN / Parcel Number

Primary APN	`A953000398`
Alternative APN	`3-0015-7056-00-0091.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,858 sqft Living Area
Gross Area	3,357 sqft
1st Floor Area	998 sqft
Basement Area	980 sqft
Finished Basement	880 sqft
Unfinished Basement	100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	54 sqft
Deck Area	Deck Area
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A953000398
Street Address	3176 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 91
Legal Subdivision	COLLEGE STAT
Legal Lot Number	91
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	1
Census Block	1004
Census Tract	311148

Owner

3176 Willow Bend Dr is owned and occupied by two individuals who bought it in January 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3176 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2016 · Amount on File
Deed Sale	Jan 19, 2016 · Amount on File
Prior Sale	Sep 1, 2009 · Amount on File
Deed Document Number	201633480
Deed Book / Page	6480 / 196
Prior Transfer Date	Jan 7, 2016
Prior Transfer Doc	0064800198
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3176 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3176 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538

Mortgage

Document Number	0000024512
Date	Jun 23, 2023
Instrument	2023R-024512

Lender

Name	FIRST BANK
Type	Bank
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3176 Willow Bend Dr was $3,937, up 3.8% 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		$65,581 (-)	$345,162 (-) Land $56,000 Building $289,162
2025	$3,937.00 (+3.8%)	$65,581	$345,162 Land $56,000 Building $289,162
2024	$3,793.00
2023		$61,310
2022			$322,684 Land $40,000 Building $282,684

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 3176 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 3176 Willow Bend Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% 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	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 443 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20