10 White River Ln, Defiance, MO 63341 Property Records

St. Charles County property record for 10 White River Ln, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,794 sqft · built 1995
Lot Size	3.01 acres (131,551 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,622 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860002920`

Property Details

APN / Parcel Number

Primary APN	`A860002920`
Alternative APN	`3-0077-5931-00-0046.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,794 sqft Living Area
Gross Area	4,553 sqft
1st Floor Area	2,494 sqft
Basement Area	1,369 sqft
Finished Basement	1,300 sqft
Unfinished Basement	69 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,551 sqft
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002920
Street Address	10 WHITE RIVER LN
City	DEFIANCE
State	MO
Zip	63341-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #4 LOT 46
Legal Subdivision	CALLAWAY VALLEY #4
Legal Lot Number	46
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

10 White River Ln is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 WHITE RIVER LN, DEFIANCE, MO 63341-1638
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jan 8, 2021	Deed of Trust, Mortgage QUICKEN LNS
Feb 18, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 WHITE RIVER LN, DEFIANCE, MO 63341-1638
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 WHITE RIVER LN, DEFIANCE, MO 63341-1638

Mortgage

Document Number	0000049367
Date	Nov 4, 2025
Instrument	2025R-049367

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 WHITE RIVER LN, DEFIANCE, MO 63341-1638
Document Number	0000003771
Instrument Date	Jan 8, 2021
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 WHITE RIVER LN DEFIANCE MO 633411638, DEFIANCE, MO 63341-1638

Mortgage

Document Number	0000003771
Date	Jan 13, 2021
Instrument	3771

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	156 Months
Due	Jan 12, 2034

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 WHITE RIVER LN, DEFIANCE, MO 63341-1638
Document Number	0070381139
Instrument Date	Feb 18, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 WHITE RIVER LN DEFIANCE MO 633411638, DEFIANCE, MO 63341-1638

Mortgage

Document Number	0070381139
Date	Feb 22, 2019
Book Page	007038/001139
Instrument	79140

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 21, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 10 White River Ln was $5,622.

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		$93,907 (-)	$494,248 (-) Land $90,002 Building $404,246
2025	$5,622.00	$93,907	$494,248 Land $90,002 Building $404,246
2023		$91,141
2022			$479,695 Land $75,002 Building $404,693

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 White River Ln in Zone X, an area of minimal flood risk.

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	1 in force

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 10 White River Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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	0.07% 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)
Spectrum Fiber	1,000 / 1,000
Brightspeed Fiber	940 / 940

Cell Coverage

5G and 4G LTE (outdoors only)

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