13 Cedar Fork Ct, Defiance, MO 63341 Property Records

St. Charles County property record for 13 Cedar Fork Ct, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,482 sqft · built 1985
Lot Size	3.7 acres (161,172 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`620730B004`

Property Details

APN / Parcel Number

Primary APN	`620730B004`
Alternative APN	`3-0071-5374-00-0054.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,482 sqft Living Area
Gross Area	4,347 sqft
1st Floor Area	1,321 sqft
Basement Area	1,305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	161,172 sqft
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	196 sqft
Deck Area	Deck Area
Patio Area	556 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	620730B004
Street Address	13 CEDAR FORK CT
City	DEFIANCE
State	MO
Zip	63341-1319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	CALLAWAY FARMS #2 LOT 54
Legal Subdivision	CALLAWAY FARMS #2
Legal Lot Number	54
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4000
Census Tract	312204

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	13 CEDAR FORK CT, DEFIANCE, MO 63341-1319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Sep 18, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 30, 2000
Transfer Doc	0000071621
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 CEDAR FORK CT, DEFIANCE, MO 63341-1319
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 CEDAR FORK CT, DEFIANCE, MO 63341-1319

Mortgage

Document Number	0000039568
Date	Sep 9, 2025
Instrument	2025R-039568

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	13 CEDAR FORK CT, DEFIANCE, MO 63341-1319
Document Number	0000102894
Instrument Date	Sep 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 CEDAR FORK CT DEFIANCE MO 633411319, DEFIANCE, MO 63341-1319

Mortgage

Document Number	0000102894
Date	Dec 30, 2020
Instrument	102894

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Assessed Value	Assessed Market Value
2026	$86,784 (+5.02%)	$456,757 (+5.02%) Land $92,396 Building $364,361
2023	$82,632
2022		$434,905 Land $76,997 Building $357,908

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

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	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

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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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