630 Willow Lake Ct, Weldon Spring (Saint Charles), MO 63304 Property Records

St. Charles County property record for 630 Willow Lake Ct, Weldon Spring, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 5,930 sqft · built 1999
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Mar 2013)
Tax Bill	$10,271 (2025)
Deeds & Mortgages	Jun 2022 Sale Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T003000018`

Property Details

APN / Parcel Number

Primary APN	`T003000018`
Alternative APN	`3-0122-8123-00-0011.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	5,930 sqft Living Area
Gross Area	7,657 sqft
1st Floor Area	4,080 sqft
Basement Area	2,720 sqft
Finished Basement	1,850 sqft
Unfinished Basement	870 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	44,867 sqft
Garage Type	Attached
Garage Area	857 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	138 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T003000018
Street Address	630 WILLOW LAKE CT
City	WELDON SPRING
State	MO
Zip	63304-7843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLOW LAKE LOT 11
Legal Subdivision	WILLOW LAKE
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1000
Census Tract	311103

Owner

Source: St. Charles County records, as of August 7, 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	630 WILLOW LAKE CT, WELDON SPRING, MO 63304-7843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Beneficiary Deed, Transfer
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 20, 2020	Deed of Trust, Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2013 · Amount on Record
Deed Sale	Mar 6, 2013 · Amount on Record
Prior Sale	Aug 25, 2008 · Amount on Record
Deed Document Number	2013180640
Deed Book / Page	5971 / 718
Last Transfer Date	Jun 1, 2022
Transfer Doc	0000031725
Record Updated	Sep 20, 2026

June 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 6, 2022
Property Address	630 WILLOW LAKE CT, WELDON SPRING, MO 63304-7843
Document Number	0000031725
Map Reference	MB 35 PG 283
Instrument Date	Jun 1, 2022
Instrument	2022R-031725
Transaction Type	Transfer
Record Updated	Jun 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	630 WILLOW LAKE CT, 630, WELDON SPRING, MO 63304-7843

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	630 WILLOW LAKE CT, WELDON SPRING, MO 63304-7843

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	630 WILLOW LAKE CT, WELDON SPRING, MO 63304-7843
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071871828
Date	Nov 25, 2019
Book Page	7187/1828
Instrument	20191125000674410

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	630 WILLOW LAKE CT, WELDON SPRING, MO 63304-7843
Document Number	0000082474
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	630 WILLOW LAKE CT WELDON SPRING MO 633047843, WELDON SPRING, MO 63304-7843

Mortgage

Document Number	0000082474
Date	Oct 29, 2020
Instrument	82474

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	Weldon Spring City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$187,107 (+7.62%)	$984,773 (+7.62%) Land $150,000 Building $834,773
2025	$10,271.00	$173,866 (+9.13%)	$915,085 (+9.13%) Land $150,000 Building $765,085
2023		$159,322
2022			$838,534 Land $150,000 Building $688,534

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	166 (1978–2013)
Claims Outside the SFHA	3 of 166
Most Recent Claim	Jun 2013 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2008 · 7 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 7 claims Severe Storms & Flooding, Sep 1993 · 68 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 145 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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