131 Steeple Point Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 131 Steeple Point Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,792 sqft · built 2025
Lot Size	6.18 acres (269,201 sqft)
Owner	2 Individual Names on File
Last Sale	$185,400 (Jun 2022)
Tax Bill	$111 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`T221300012`

Property Details

APN / Parcel Number

Primary APN	`T221300012`
Alternative APN	`3-0071-D158-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,792 sqft Living Area
Gross Area	5,584 sqft
1st Floor Area	2,792 sqft
Basement Area	2,792 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	269,201 sqft

Location & Zoning

Account Number	T221300012
Street Address	131 STEEPLE POINT DR
City	DEFIANCE
State	MO
Zip	63341-6701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEEPLE ROCK POINT LOT 2
Legal Subdivision	STEEPLE ROCK POINT
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4000
Census Tract	312204

Owner

131 Steeple Point Dr is owned by two individuals who bought it in June 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	506 WYNDGATE LAKE CT, LAKE SAINT LOUIS, MO 63367-4358
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
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 9, 2022	Warranty Deed, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2022 · Amount on File
Deed Sale	Jun 9, 2022 · Amount on File
Deed Document Number	202232351
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	131 STEEPLE POINT DR, DEFIANCE, MO 63341-6701
Transaction Type	Mortgage
Record Updated	Nov 11, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 WYNDGATE LAKE CT, LAKE SAINT LOUIS, MO 63367-4358

Mortgage

Document Number	0000048016
Date	Oct 28, 2025
Instrument	2025R-048016

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year T-Bill
Max Rate	11.2%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2022
Property Address	131 STEEPLE POINT DR, DEFIANCE, MO 63341-6701
Document Number	0000032351
Map Reference	MB 2021R-092866
Instrument Date	May 19, 2022
Instrument	2022R-032351
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 MARIE LN, WALLINGFORD, CT 06492-1935

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	506 WYNDGATE LAKE CT, LAKE SAINT LOUIS, MO 63367-4358

Tax Assessment & Valuation

The 2025 property tax bill for 131 Steeple Point Dr was $111.

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		$1,854 (-)	$15,450 (-) Land $15,450
2025	$111.00	$1,854	$15,450 Land $15,450
2023		$1,854
2022			$15,450 Land $15,450

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 131 Steeple Point Dr 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 131 Steeple Point Dr is moderate, ranking above 40% of the US, with a 0.05% 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	0.05% 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 11 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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