82 Willow Way, Saint Charles, MO 63304 Property Records

St. Charles County property record for 82 Willow Way, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,466 sqft · built 1966
Lot Size	0.195 acres (8,500 sqft)
Owner	Company Name on File
Last Sale	$170,427 (Dec 2022)
Tax Bill	$2,983 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`548910A000`

Property Details

APN / Parcel Number

Primary APN	`548910A000`
Alternative APN	`3-0114-4007-00-0082.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,466 sqft Living Area
Gross Area	3,352 sqft
1st Floor Area	1,466 sqft
Basement Area	1,466 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,500 sqft (0.195 acres)
Lot Dimensions	125 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Patio Area	370 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	548910A000
Street Address	82 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 82
Legal Subdivision	CLOVER MEADOWS
Legal Lot Number	82
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2029
Census Tract	311322

Owner

82 Willow Way is owned by a company that bought it in December 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Company Name on File
Mailing Address	224 LADERA LN, WASHINGTON, MO 63090-5763
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Quit Claim Deed, Transfer · Line of Credit MIDWEST BANK CENTRE
Jul 7, 2022	Warranty Deed, Transfer
Jul 7, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2022 · Amount on File
Deed Sale	Dec 30, 2022 · Amount on File
Prior Sale	Jul 7, 2022 · Amount on File
Deed Document Number	202268203
Prior Transfer Date	Sep 9, 2022
Prior Transfer Doc	0000068203
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 30, 2022
Property Address	82 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Document Number	0000068203
Map Reference	MB 9 PG 42
Instrument Date	Sep 9, 2022
Instrument	2022R-068203
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LADERA LN, WASHINGTON, MO 63090-5763

Mortgage

Document Number	0000068204
Date	Dec 30, 2022
Instrument	2022R-068204

Lender

Name	MIDWEST BANK CENTRE
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 7, 2022
Property Address	82 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Document Number	0000037733
Map Reference	MB 9 PG 42
Instrument Date	Jul 6, 2022
Instrument	2022R-037733
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 LADERA LN, WASHINGTON, MO 63090-5763

July 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Jul 7, 2022
Property Address	82 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Document Number	0000037732
Map Reference	MB 9 PG 42
Instrument Date	Jul 6, 2022
Instrument	2022R-037732
Transaction Type	Transfer
Record Updated	Jan 17, 2024

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
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 82 Willow Way was $2,983, up 9.2% from the year before.

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		$50,169 (-)	$264,048 (-) Land $47,140 Building $216,908
2025	$2,983.00 (+9.19%)	$50,169	$264,048 Land $47,140 Building $216,908
2024	$2,732.00
2023		$45,603
2022			$240,014 Land $47,140 Building $192,874

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

FEMA maps place 82 Willow Way in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1982.

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

Wildfire risk around 82 Willow Way 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 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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