16 White River Ln, Defiance, MO 63341 Property Records

St. Charles County property record for 16 White River Ln, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,800 sqft · built 2002
Lot Size	3.12 acres (135,907 sqft)
Owner	Company Name on File
Last Sale	$1,389,850 (Oct 2020)
Tax Bill	$9,810 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A860002930`

Property Details

APN / Parcel Number

Primary APN	`A860002930`
Alternative APN	`3-0077-5931-00-0056.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	5,800 sqft Living Area
Gross Area	8,304 sqft
1st Floor Area	4,700 sqft
Basement Area	2,704 sqft
Finished Basement	1,100 sqft
Unfinished Basement	1,604 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	135,907 sqft (3.12 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	Deck Area
Patio Area	640 sqft

Location & Zoning

Account Number	A860002930
Street Address	16 WHITE RIVER LN
City	DEFIANCE
State	MO
Zip	63341-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #4 LOT 56
Legal Subdivision	CALLAWAY VALLEY #4
Legal Lot Number	56
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

Source: St. Charles County assessment roll, as of August 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
May 22, 2026	Deed of Trust, Mortgage · Line of Credit ROYAL BANKS OF MISSOURI
Nov 27, 2024	Intrafamily Transfer, Transfer
Aug 22, 2019	Deed of Trust, Mortgage · Line of Credit ENTERPRISE BANK & TRUST
Oct 20, 2020	Warranty Deed, Transfer · Line of Credit PEOPLES SVGS BK/RHINELAND

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 20, 2020 · Amount on Record
Deed Sale	Oct 20, 2020 · Amount on Record
Prior Sale	Jul 7, 2015 · Amount on Record
Deed Document Number	202026
Last Transfer Date	Nov 22, 2024
Transfer Doc	0000049872
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640

Mortgage

Document Number	0000020007
Date	Mar 8, 2021
Instrument	2021R-020007

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 22, 2026
Property Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Document Number	0000024235
Instrument Date	May 19, 2026
Instrument	202624235
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640

Mortgage

Document Number	0000024235,
Date	May 22, 2026
Instrument	202624235

Lender

Name	ROYAL BANKS OF MISSOURI

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 27, 2024
Property Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Document Number	0000049872
Map Reference	MB 24 PG 185
Instrument Date	Nov 22, 2024
Instrument	2024R-049872
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000447260
Date	Aug 22, 2019
Book Page	7128/0789
Instrument	20190822000447260

Lender

Name	ENTERPRISE BANK & TRUST
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 20, 2020
Property Address	16 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Document Number	0000079726
Instrument Date	Oct 14, 2020
Instrument	79726
Transaction Type	Transfer
Record Updated	Feb 8, 2021
Title Company	SYNERGY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 WHITE RIVER LN DEFIANCE MO 633411640, DEFIANCE, MO 63341-1640

Mortgage

Document Number	79727
Date	Oct 20, 2020
Instrument	79727

Lender

Name	PEOPLES SVGS BK/RHINELAND
Type	Federal Savings Bank
Address	112 W 5TH ST, HERMANN, MO 65041-1012

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 13, 2025

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
2025	$9,810.00	$163,859 (+3.34%)	$862,414 (+3.34%) Land $89,996 Building $772,418
2023		$158,564
2022			$834,552 Land $74,997 Building $759,555

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
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 45% of the US · above 52% of Missouri
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation at the parcel

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 42 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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