St. Charles County property record for 3183 Willow Bend Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,158 sqft · built 1995 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $459,550 (Aug 2026) |
| Tax Bill | $4,180 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000446 |
| Primary APN | A953000446 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,158 sqft Living Area |
| Gross Area | 3,566 sqft |
| 1st Floor Area | 1,150 sqft |
| Basement Area | 1,008 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.39 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 348 sqft |
| Deck Area | Deck Area |
| Patio Area | 356 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000446 |
|---|---|
| Street Address | 3183 WILLOW BEND DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COLLEGE STAT LOT 139 |
| Legal Subdivision | COLLEGE STAT |
| Legal Lot Number | 139 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311147 |
Source: St. Charles County records, as of August 24, 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 | 3183 WILLOW BEND DR, SAINT CHARLES, MO 63303-6513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 13, 2026 | Warranty Deed, Transfer · Conventional Mortgage ALLIANT CREDIT UNION |
| Apr 30, 2026 | Deed of Trust, Mortgage · Construction Mortgage STIFEL BANK AND TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2026 · Amount on Record |
| Deed Sale | Aug 13, 2026 · Amount on Record |
| Deed Document Number | 202638716 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 13, 2026 |
| Property Address | 3183 WILLOW BEND DR, SAINT CHARLES, MO 63303-6513 |
| Document Number | 0000038716 |
| Instrument Date | Aug 12, 2026 |
| Instrument | 202638716 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | TITLE PARTNERS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3183 WILLOW BEND DR, SAINT CHARLES, MO 63303-6513 |
| Document Number | 0000038717, |
|---|---|
| Date | Aug 13, 2026 |
| Instrument | 202638717 |
| Name | ALLIANT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 30, 2026 |
| Property Address | 3183 WILLOW BEND DR, SAINT CHARLES, MO 63303-6513 |
| Document Number | 0000020012 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 202620012 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3183 WILLOW BEND DR, SAINT CHARLES, MO 63303-6513 |
| Investor | Possibly a Property Investor |
| Document Number | 0000020012, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 202620012 |
| Name | STIFEL BANK AND TRUST |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
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 | $69,651 (-) | $366,582 (-) Land $56,000 Building $310,582 | |
| 2025 | $4,180.00 | $69,651 (+7.92%) | $366,582 (+7.92%) Land $56,000 Building $310,582 |
| 2023 | $64,541 | ||
| 2022 | $339,689 Land $40,000 Building $299,689 |
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.
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 | 2 (1982–1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 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.
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 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 |
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