St. Charles County property record for 10 Wilderness Ln, Defiance, MO 63341
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,020 sqft · built 1986 |
| Lot Size | 3.98 acres (173,369 sqft) |
| Owner | Trust Name on File |
| Deeds & Mortgages | Apr 2023 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 621660A010 |
| Primary APN | 621660A010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,020 sqft Living Area |
| Gross Area | 4,024 sqft |
| 1st Floor Area | 2,020 sqft |
| Basement Area | 1,380 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 173,369 sqft |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 364 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 621660A010 |
|---|---|
| Street Address | 10 WILDERNESS LN |
| City | DEFIANCE |
| State | MO |
| Zip | 63341-2401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | WILDERNESS #1 LOT 10 |
| Legal Subdivision | WILDERNESS |
| Legal Lot Number | 10 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 312204 |
10 Wilderness Ln is owner-occupied and held in a trust since March 2001.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 10 WILDERNESS LN, DEFIANCE, MO 63341-2401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 13, 2001 |
| Transfer Doc | 0000031433 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 WILDERNESS LN, DEFIANCE, MO 63341-2401 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10 WILDERNESS LN, DEFIANCE, MO 63341-2401 |
| Document Number | 0000013239 |
|---|---|
| Date | Apr 7, 2023 |
| Instrument | 2023R-013239 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 809 Months |
| Due | Sep 26, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.66% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2023 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 11.6% |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $72,849 | $383,410 Land $101,394 Building $282,016 |
| 2023 | $68,348 | |
| 2022 | $359,728 Land $84,495 Building $275,233 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Wilderness Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.
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 risk around 10 Wilderness Ln is moderate, ranking above 40% of the US, with a 0.06% 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 | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
May also be available: T-Mobile.
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