St. Charles County property record for 86 Willow Way, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,675 sqft · built 1970 |
| Lot Size | 0.212 acres (9,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $152,000 (Jun 2005) |
| Tax Bill | $2,915 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 549030A000 |
| Primary APN | 549030A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,675 sqft Living Area |
| Gross Area | 2,350 sqft |
| 1st Floor Area | 1,175 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,250 sqft (0.212 acres) |
| Lot Dimensions | 125 ft deep x 74 ft wide |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 42 sqft |
| Patio Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 549030A000 |
|---|---|
| Street Address | 86 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 86 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Lot Number | 86 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 311322 |
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 | 86 WILLOW WAY, SAINT CHARLES, MO 63304-7222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Line of Credit DART COLLATERAL MANAGER LLC |
| Dec 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2005 · Amount on Record |
| Deed Sale | Jun 14, 2005 · Amount on Record |
| Prior Sale | Jun 11, 2001 · Amount on Record |
| Deed Document Number | 2005533170 |
| Deed Book / Page | 4202 / 625 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 86 WILLOW WAY, SAINT CHARLES, MO 63304-7222 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 86 WILLOW WAY, SAINT CHARLES, MO 63304-7222 |
| Document Number | 0000048714 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 2025R-048714 |
| Name | DART COLLATERAL MANAGER LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLOTTE, NC 28232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 20, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 86 WILLOW WAY, SAINT CHARLES, MO 63304-7222 |
| Document Number | 0000100635 |
| Instrument Date | Dec 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Title Company | ENTERPRISE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 86 WILLOW WAY ST CHARLES MO 633047222, ST CHARLES, MO 63304-7222 |
| Document Number | 0000100635 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 100635 |
| Name | NEW AMERICAN FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2050 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $49,013 (-) | $257,964 (-) Land $47,140 Building $210,824 | |
| 2025 | $2,915.00 (+10.92%) | $49,013 (+11.78%) | $257,964 (+11.78%) Land $47,140 Building $210,824 |
| 2024 | $2,628.00 | ||
| 2023 | $43,848 | ||
| 2022 | $230,780 Land $47,140 Building $183,640 |
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.
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 |
|
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.
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.
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 |
| 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.
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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