84 Willow Way, Saint Charles, MO 63304 Property Records

St. Charles County property record for 84 Willow Way, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,410 sqft · built 1970
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,600 (Sep 2021)
Tax Bill	$2,807 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`548970A000`

Property Details

APN / Parcel Number

Primary APN	`548970A000`
Alternative APN	`3-0114-4007-00-0084.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,410 sqft Living Area
Gross Area	3,140 sqft
1st Floor Area	1,360 sqft
Basement Area	1,360 sqft
Finished Basement	1,050 sqft
Unfinished Basement	310 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	310 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	548970A000
Street Address	84 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 84
Legal Subdivision	CLOVER MEADOWS
Legal Lot Number	84
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2029
Census Tract	311322

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	84 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL BANK OF ST LOUIS
Sep 22, 2020	Warranty Deed, Transfer · FHA Mortgage CENTRAL BK/ST LOUIS
Feb 7, 2020	Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG
Aug 23, 2017	Quit Claim Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on Record
Deed Sale	Sep 13, 2021 · Amount on Record
Prior Sale	Sep 22, 2020 · Amount on Record
Deed Document Number	202176568
Prior Transfer Date	Sep 7, 2021
Prior Transfer Doc	2021R076568
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 13, 2021
Property Address	84 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Document Number	2021R076568
Map Reference	MB 9 PG 42
Instrument Date	Sep 7, 2021
Instrument	2021R-076568
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 WILLOW WAY, SAINT CHARLES, MO 63304-7222

Mortgage

Document Number	2021R076569
Date	Sep 13, 2021
Instrument	2021R-076569

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 22, 2020
Property Address	84 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Document Number	0000070410
Instrument Date	Sep 11, 2020
Instrument	70410
Transaction Type	Transfer
Record Updated	Nov 11, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 WILLOW WAY ST CHARLES MO 633047222, ST CHARLES, MO 63304-7222

Mortgage

Document Number	70413
Date	Sep 22, 2020
Instrument	70413

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	84 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Document Number	0072301603
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 WILLOW WAY ST CHARLES MO 633047222, ST CHARLES, MO 63304-7222

Mortgage

Document Number	0072301603
Date	Feb 13, 2020
Book Page	007230/001603
Instrument	89420

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 23, 2017
Property Address	84 WILLOW WAY, SAINT CHARLES, MO 63304-7222
Document Number	0067951584
Book / Page	006795 / 001584
Instrument Date	Aug 12, 2017
Instrument	529010
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 WILLOW WAY ST CHARLES MO 633047222, ST CHARLES, MO 63304-7222

Mortgage

Document Number	67951586
Date	Aug 23, 2017
Book Page	006795/001586
Instrument	529020

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

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		$47,175 (-)	$248,291 (-) Land $47,140 Building $201,151
2025	$2,807.00 (+8.88%)	$47,175 (+9.7%)	$248,291 (+9.7%) Land $47,140 Building $201,151
2024	$2,578.00
2023		$43,004
2022			$226,338 Land $47,140 Building $179,198

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.

Nearby Properties on Willow Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures