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2 White Oak Ct, Defiance, MO 63341 Property Records

St. Charles County property record for 2 White Oak Ct, Defiance, MO 63341

Property Summary

Property TypeSingle Family Home
Details3 bd · 4 ba · 2,548 sqft · built 2000
Lot Size3.39 acres (147,668 sqft)
OwnerIndividual Name on File
Last Sale$738,000 (Dec 2024)
Tax Bill$7,590 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN620490A002

Property Details

APN / Parcel Number

Primary APN620490A002
Alternative APN
  • 3-0071-5365-00-0002.0000000

Interior

Bedrooms3 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area2,548 sqft Living Area
1st Floor Area2,548 sqft
Basement Area2,506 sqft
Finished Basement2,120 sqft
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 2000
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area147,668 sqft (3.39 acres)
TerrainRolling
Garage TypeAttached
Parking Spaces3 Parking Spaces
PorchPorch
Porch Area168 sqft
Patio Area905 sqft

Location & Zoning

Account Number620490A002
Old Parcel Number620490A002
Street Address2 WHITE OAK CT
CityDEFIANCE
StateMO
Zip63341-1721
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAA1
Legal DescriptionCOUNTRY OAKS #1 LOT 2
Legal Range02E
Legal Township45N
Legal SubdivisionCOUNTRY OAKS
Legal Lot Number2
JurisdictionST CHARLES MO
Township / Civil DivisionBOONE
Census Block Group3
Census Block3002
Census Tract312204

Owner

Source: St. Charles County records · APN 620490A002

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2 WHITE OAK CT, DEFIANCE, MO 63341-1721
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2026Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE MORTGAGE
Aug 23, 2021Warranty Deed, Transfer · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 16, 2024 · Amount on Record
Deed SaleDec 16, 2024 · Amount on Record
Prior SaleAug 23, 2021
Deed Document Number0202452609
Deed Book / Page2024 / 52609
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Recording DateJul 20, 2026
Property Address2 WHITE OAK CT, DEFIANCE, MO 63341-1721
Document Number0000033918
Instrument DateJul 10, 2026
Instrument202633918
Transaction TypeMortgage
Record UpdatedJul 31, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2 WHITE OAK CT, DEFIANCE, MO 63341-1721

Mortgage

Document Number0000033918,
DateJul 20, 2026
Instrument202633918
Lender
NameMORTGAGE MORTGAGE
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeFixed Rate
Rate6.52%
Initial TypeFixed Rate
Max Rate-1%

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateAug 23, 2021
Property Address2 WHITE OAK CT, DEFIANCE, MO 63341-1721
Document Number0000070444
Map ReferenceMB 21 PG 57
Instrument DateAug 19, 2021
Instrument2021R-070444
Transaction TypeTransfer
Record UpdatedFeb 15, 2024

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4014 TREESHADOW DR, SAINT PETERS, MO 63376-3828

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address2 WHITE OAK CT, DEFIANCE, MO 63341-1721

Mortgage

Document Number0000070445
DateAug 23, 2021
Instrument2021R-070445
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueSep 01, 2031

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,590.00$126,775 (+7.64%)$667,237 (+7.64%) Land $94,205 Building $573,032
2023$117,779
2022$619,886 Land $78,504 Building $541,382

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833122043, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1993)
Most Recent ClaimJul 1993 · Severe Storms & Flooding

Wildfire

Wildfire RiskModerate
above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood0.07% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cable One
Cable		1,000 / 50

May also be available: Wisper ISP.

Based on FCC filings for 43 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6024530, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST CHARLES COUNTY PWSD 2
serves 100,587 people
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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