St. Charles County property record for 40 Willow Brook Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,053 sqft · built 1971 |
| Lot Size | 0.188 acres (8,188 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Nov 2018) |
| Tax Bill | $2,774 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 099800A000 |
| Primary APN | 099800A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,053 sqft Living Area |
| Gross Area | 2,686 sqft |
| 1st Floor Area | 1,053 sqft |
| Basement Area | 1,053 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,188 sqft (0.188 acres) |
| Lot Dimensions | 178 ft deep x 46 ft wide |
| Garage Type | Attached |
| Garage Area | 580 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 480 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 099800A000 |
|---|---|
| Street Address | 40 WILLOW BROOK CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | WILLOW BROOK #1 LOT 40 |
| Legal Subdivision | WILLOW BROOK #1 |
| Legal Lot Number | 40 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 310700 |
40 Willow Brook Ct is owned and occupied by an individual who bought it in November 2018.
Source: St. Charles County records, as of March 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 WILLOW BROOK CT, SAINT CHARLES, MO 63301-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC |
| Nov 2, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2018 · Amount on File |
| Deed Sale | Nov 2, 2018 · Amount on File |
| Prior Sale | Jul 22, 2013 |
| Deed Document Number | 2018627260 |
| Deed Book / Page | 6998 / 1920 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 40 WILLOW BROOK CT, SAINT CHARLES, MO 63301-1122 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 40 WILLOW BROOK CT, SAINT CHARLES, MO 63301-1122 |
| Document Number | 0000043113 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 2021R-043113 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Address | PORT HURON, MI 48060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 2, 2018 |
| Property Address | 40 WILLOW BROOK CT, SAINT CHARLES, MO 63301-1122 |
| Document Number | 0069981920 |
| Book / Page | 6998 / 1920 |
| Map Reference | MB 10 PG 39 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 20181102000627260 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | US TITLE CORPORATION AND OR |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 PAULA DR, 103, SAINT CHARLES, MO 63301-3120 |
| Name | Verified Name |
|---|---|
| Address | 40 WILLOW BROOK CT, SAINT CHARLES, MO 63301-1122 |
| Document Number | 20181102000627280 |
|---|---|
| Date | Nov 2, 2018 |
| Instrument | 20181102000627280 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 40 Willow Brook Ct was $2,774, up 1.8% from the year before.
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,774.00 (+1.76%) | $44,172 | $232,482 Land $50,000 Building $182,482 |
| 2024 | $2,726.00 | ||
| 2023 | $42,381 (+21.64%) | ||
| 2022 | $2,401.00 | $34,842 | $223,059 (+21.64%) Land $50,000 Building $173,059 |
| 2021 | $183,379 Land $40,000 Building $143,379 |
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 40 Willow Brook Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
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 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1981–2022) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| 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.
The area around 40 Willow Brook Ct has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 341 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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