319 Willowpointe Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 319 Willowpointe Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,279 sqft · built 1986
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,319 (Jul 2024)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`567906A084`

Property Details

APN / Parcel Number

Primary APN	`567906A084`
Alternative APN	`3-0107-5632-00-0081.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,279 sqft Living Area
Gross Area	4,119 sqft
1st Floor Area	2,279 sqft
Basement Area	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	302 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	567906A084
Street Address	319 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 81
Legal Subdivision	LAKES #3
Legal Lot Number	81
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 September 10, 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	319 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE CORPORATION
Jun 9, 2023	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2024 · Amount on Record
Deed Sale	Jul 22, 2024 · Amount on Record
Deed Document Number	202428785
Last Transfer Date	Nov 22, 2024
Transfer Doc	0000049130
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 23, 2026
Property Address	319 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690
Document Number	0000029359
Instrument Date	Jun 17, 2026
Instrument	202629359
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690

Mortgage

Document Number	0000029359,
Date	Jun 23, 2026
Instrument	202629359

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 28, 2026
Property Address	319 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690
Document Number	0000024860
Instrument Date	May 19, 2026
Instrument	202624860
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690

Mortgage

Document Number	0000024860,
Date	May 28, 2026
Instrument	202624860

Lender

Name	COMMUNITY MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2023
Property Address	319 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690
Document Number	0000022287
Map Reference	MB 22 PG 186
Instrument Date	May 30, 2023
Instrument	2023R-022287
Transaction Type	Transfer
Record Updated	Jun 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 WILLOWPOINTE DR, SAINT CHARLES, MO 63304-7690

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		$80,413 (-)	$423,228 (-) Land $100,000 Building $323,228
2025	$4,765.00	$80,413 (+11.18%)	$423,228 (+11.18%) Land $100,000 Building $323,228
2023		$72,328
2022			$380,673 Land $100,000 Building $280,673

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.

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