10 Pine Cliff Ct, Defiance, MO 63341 Property Records

St. Charles County property record for 10 Pine Cliff Ct, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,574 sqft · built 1997
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (May 2022)
Tax Bill	$7,386 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A963000670`

Property Details

APN / Parcel Number

Primary APN	`A963000670`
Alternative APN	`3-0071-S005-00-0002.2000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,133 sqft Living Area
Gross Area	5,862 sqft
1st Floor Area	2,574 sqft
Basement Area	2,544 sqft
Finished Basement	1,559 sqft
Unfinished Basement	985 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	152,460 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	66 sqft
Deck Area	Deck Area
Patio Area	485 sqft

Location & Zoning

Account Number	A963000670
Street Address	10 PINE CLIFF CT
City	DEFIANCE
State	MO
Zip	63341-1765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	SW 1/4 NE 1/4
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3002
Census Tract	312204

Owner

Source: St. Charles County records, as of September 10, 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	10 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
May 26, 2022	Special Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Oct 31, 2019	Deed of Trust, Mortgage COMMUNITYAMERICA CU
Oct 29, 2019	Quit Claim Deed, Transfer GODEEDS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on Record
Deed Sale	May 26, 2022 · Amount on Record
Prior Sale	Jan 28, 1999 · Amount on Record
Deed Document Number	202229762
Prior Transfer Date	Jul 23, 2019
Prior Transfer Doc	0000611430
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Transaction Type	Mortgage
Record Updated	Jan 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PINE CLIFF CT, DEFIANCE, MO 63341-1765

Mortgage

Document Number	0000000920
Date	Jan 9, 2023
Instrument	2023R-000920

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 26, 2022
Property Address	10 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Document Number	0000029762
Instrument Date	May 20, 2022
Instrument	2022R-029762
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1699 STIEGER LAKE LN, 1699, VICTORIA, MN 55386-5801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 PINE CLIFF CT, DEFIANCE, MO 63341-1765

Mortgage

Document Number	0000029763
Date	May 26, 2022
Instrument	2022R-029763

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Document Number	0071761337
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	10 PINE CLIFF CT DEFIANCE MO 633411765, DEFIANCE, MO 63341-1765

Mortgage

Document Number	0071761337
Date	Nov 5, 2019
Book Page	007176/001337
Instrument	631360

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 29, 2019
Property Address	10 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Document Number	0071711397
Book / Page	007171 / 001397
Instrument Date	Jul 23, 2019
Instrument	611430
Transaction Type	Transfer
Record Updated	Nov 20, 2019
Title Company	GODEEDS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	10 PINE CLIFF CT DEFIANCE MO 633411765, DEFIANCE, MO 63341-1765

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		$123,359 (-)	$649,266 (-) Land $96,002 Building $553,264
2025	$7,386.00	$123,359 (+7.56%)	$649,266 (+7.56%) Land $96,002 Building $553,264
2023		$114,688
2022			$603,622 Land $80,001 Building $523,621

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 Claims	1 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding

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	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.06% 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Pine Cliff Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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