St. Charles County property record for 3188 Willow Bend Dr, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,240 sqft · built 1994 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $235,000 (Jun 2015) |
| Tax Bill | $4,716 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A953000400 |
| Primary APN | A953000400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,240 sqft Living Area |
| Gross Area | 4,036 sqft |
| 1st Floor Area | 2,113 sqft |
| Basement Area | 1,503 sqft |
| Finished Basement | 1,127 sqft |
| Unfinished Basement | 376 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 | 11,761 sqft (0.27 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 24 sqft |
| Patio Area | 195 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A953000400 |
|---|---|
| Street Address | 3188 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 93 |
| Legal Subdivision | COLLEGE STAT |
| Legal Lot Number | 93 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 311148 |
3188 Willow Bend Dr is owner-occupied and held in a trust since June 2015.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3188 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Apr 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Jun 10, 2020 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2015 · Amount on File |
| Deed Sale | Jun 1, 2015 · Amount on File |
| Prior Sale | Nov 17, 2006 · Amount on File |
| Deed Document Number | 2015339090 |
| Deed Book / Page | 6363 / 333 |
| Prior Transfer Date | Oct 6, 2008 |
| Prior Transfer Doc | 0050591909 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3188 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R031635 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 2021R-031635 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3188 WILLOW BEND DR, SAINT CHARLES, MO 63303-6538 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073161975 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 7316/1975 |
| Instrument | 20200610000388900 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 18, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3188 Willow Bend Dr was $4,716, up 6.2% 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 | $78,639 (-) | $413,892 (-) Land $70,000 Building $343,892 | |
| 2025 | $4,716.00 (+6.24%) | $78,639 | $413,892 Land $70,000 Building $343,892 |
| 2024 | $4,439.00 | ||
| 2023 | $71,816 | ||
| 2022 | $377,978 Land $50,000 Building $327,978 |
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.
FEMA maps place 3188 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 3188 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 99.8% of the US · lower than 99.6% 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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