2 Old Ridge Ct, Defiance, MO 63341 Property Records

St. Charles County property record for 2 Old Ridge Ct, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,552 sqft · built 2001
Lot Size	4.4 acres (191,664 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (May 2019)
Tax Bill	$3,959 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A953001481`

Property Details

APN / Parcel Number

Primary APN	`A953001481`
Alternative APN	`3-0077-7194-00-0209.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	988 sqft
Basement Area	742 sqft
Finished Basement	519 sqft

Exterior

Year Built	Built 2001
Architectural Style	Other
Exterior Material	Wood
Lot Area	191,664 sqft (4.4 acres)
Garage Type	Attached
Garage Area	296 sqft
Parking Spaces	1 Parking Space
Patio Area	32 sqft

Location & Zoning

Account Number	A953001481
Old Parcel Number	A953001481
Street Address	2 OLD RIDGE CT
City	DEFIANCE
State	MO
Zip	63341-1650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #7 RESUB LOTS 209-211 LOT 209
Legal Range	01E
Legal Township	45N
Legal Subdivision	CALLAWAY VALLEY #7 RESUB
Legal Lot Number	209 211
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

2 Old Ridge Ct is owned and occupied by an individual who bought it in May 2019.

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2 OLD RIDGE CT, DEFIANCE, MO 63341-1650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 31, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Prior Sale	Jul 29, 2015
Deed Document Number	0070812429
Deed Book / Page	7081 / 2429
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 OLD RIDGE CT, DEFIANCE, MO 63341-1650
Transaction Type	Mortgage
Record Updated	May 10, 2021
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 OLD RIDGE CT, DEFIANCE, MO 63341-1650

Mortgage

Document Number	2021R035881
Date	Apr 23, 2021
Instrument	2021R-035881

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 31, 2019
Property Address	2 OLD RIDGE CT, DEFIANCE, MO 63341-1650
Document Number	0070812429
Book / Page	7081 / 2429
Map Reference	MB 32 PG 114
Instrument Date	May 1, 2019
Instrument	20190531000261830
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 OLD RIDGE CT, DEFIANCE, MO 63341-1650
Investor	Possibly a Property Investor

Mortgage

Document Number	20190531000261840
Date	May 31, 2019
Instrument	20190531000261840

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2 Old Ridge Ct was $3,959.

Source: St. Charles County assessment roll, as of July 1, 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	$3,959.00	$66,124	$348,028 Land $108,002 Building $240,026
2023		$61,959
2022			$326,096 Land $90,002 Building $236,094

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

FEMA maps place 2 Old Ridge Ct 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 2 Old Ridge Ct is moderate, ranking above 40% of the US, with a 0.07% 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	0.07% 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 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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