19 Pine Cliff Ct, Defiance, MO 63341 Property Records

St. Charles County property record for 19 Pine Cliff Ct, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,233 sqft · built 2001
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,120 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A963000385`

Property Details

APN / Parcel Number

Primary APN	`A963000385`
Alternative APN	`3-0071-7271-00-0174.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	4,233 sqft Living Area
Gross Area	6,344 sqft
1st Floor Area	2,933 sqft
Basement Area	2,173 sqft
Finished Basement	1,300 sqft
Unfinished Basement	873 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	1,238 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area
Patio Area	737 sqft

Location & Zoning

Account Number	A963000385
Street Address	19 PINE CLIFF CT
City	DEFIANCE
State	MO
Zip	63341-1765
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY OAKS #5 LOT 174
Legal Subdivision	COUNTRY OAKS #5 & RESUB
Legal Lot Number	174
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3002
Census Tract	312204

Owner

Source: St. Charles County records, as of July 21, 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	19 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
May 25, 2022	Deed of Trust, Mortgage · Line of Credit TOGETHER CU
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019
Deed Sale	Jun 14, 2019
Prior Sale	Jul 2, 1999
Deed Document Number	2019293610
Deed Book / Page	7089 / 1633
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 9, 2026
Property Address	19 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Document Number	0000032119
Instrument Date	Jun 15, 2026
Instrument	202632119
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 PINE CLIFF CT, DEFIANCE, MO 63341-1765

Mortgage

Document Number	0000032119,
Date	Jul 9, 2026
Instrument	202632119

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 30, 2051

Interest

Rate	6.36%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	19 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 PINE CLIFF CT, DEFIANCE, MO 63341-1765

Mortgage

Document Number	0000029623
Date	May 25, 2022
Instrument	2022R-029623

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Jun 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	19 PINE CLIFF CT, DEFIANCE, MO 63341-1765
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 PINE CLIFF CT, DEFIANCE, MO 63341-1765

Mortgage

Document Number	0000004782
Date	Jan 24, 2022
Instrument	2022R-004782

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Feb 28, 2047

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	$8,120.00 (+22.99%)	$135,620 (+7%)	$713,791 (+7.01%) Land $90,000 Building $623,791
2023		$126,742 (+21.51%)
2022	$6,602.00	$104,310	$667,061 (+21.5%) Land $75,000 Building $592,061
2021			$549,001 Land $75,000 Building $474,001

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
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

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

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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