48 Willow Way, Saint Charles, MO 63304 Property Records

St. Charles County property record for 48 Willow Way, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,080 sqft · built 1968
Lot Size	0.216 acres (9,450 sqft)
Owner	Owner Name on Record
Last Sale	$160,900 (Feb 2008)
Tax Bill	$2,632 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`547890A000`

Property Details

APN / Parcel Number

Primary APN	`547890A000`
Alternative APN	`3-0114-4007-00-0048.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Finished Basement	560 sqft

Exterior

Year Built	Built 1968
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	9,450 sqft
Lot Dimensions	90 ft deep x 105 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	282 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	547890A000
Old Parcel Number	547890A000
Street Address	48 WILLOW WAY
City	SAINT CHARLES
State	MO
Zip	63304-7222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CLOVER MEADOWS LOT 48
Legal Range	03E
Legal Township	46N
Legal Subdivision	CLOVER MEADOWS
Legal Lot Number	48
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2030
Census Tract	311322

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	48 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Apr 11, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 26, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Last Sale	Feb 6, 2008 · Amount on Record
Deed Sale	Feb 6, 2008 · Amount on Record
Prior Sale	Sep 28, 2006
Deed Document Number	0049231617
Deed Book / Page	4923 / 1617
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	48 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WILLOW WAY, SAINT CHARLES, MO 63304-7222

Mortgage

Document Number	0000044893
Date	Oct 31, 2023
Instrument	2023R-044893

Lender

Name	UMB BANK NA
Type	Bank
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	48 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WILLOW WAY, SAINT CHARLES, MO 63304-7222

Mortgage

Document Number	0000020580
Date	Apr 11, 2022
Instrument	2022R-020580

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	48 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 WILLOW WAY, SAINT CHARLES, MO 63304-7222

Mortgage

Document Number	2021R071673
Date	Aug 26, 2021
Instrument	2021R-071673

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$2,632.00	$44,210 (+8.89%)	$232,683 (+8.89%) Land $47,140 Building $185,543
2023		$40,599
2022			$213,677 Land $47,140 Building $166,537

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	7 in force
Nearby Flood Claims	24 (1982–2022)
Claims Outside the SFHA	1 of 24
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 5 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Sep 1993 · 2 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 131 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

May also be available: Wisper ISP.

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