20 Sunfish Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 20 Sunfish Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,298 sqft · built 2002
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Aug 2023)
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A883001759`

Property Details

APN / Parcel Number

Primary APN	`A883001759`
Alternative APN	`3-0077-6262-00-0085.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,298 sqft Living Area
Gross Area	5,615 sqft
1st Floor Area	2,398 sqft
Basement Area	2,384 sqft
Finished Basement	900 sqft
Unfinished Basement	1,484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	130,680 sqft
Garage Type	Attached
Garage Area	833 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	138 sqft
Deck Area	Deck Area
Patio Area	767 sqft

Location & Zoning

Account Number	A883001759
Street Address	20 SUNFISH DR
City	DEFIANCE
State	MO
Zip	63341-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #6 LOT 85
Legal Subdivision	CALLAWAY VALLEY #6
Legal Lot Number	85
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

20 Sunfish Dr is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 SUNFISH DR, DEFIANCE, MO 63341-1636
Occupancy	Owner Occupied
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
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Dec 7, 2012 · Amount on File
Deed Document Number	202335704
Prior Transfer Date	Feb 25, 2015
Prior Transfer Doc	0000178780
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 15, 2026
Property Address	20 SUNFISH DR, DEFIANCE, MO 63341-1636
Document Number	0000017376
Instrument Date	Apr 10, 2026
Instrument	202617376
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SUNFISH DR, DEFIANCE, MO 63341-1636

Mortgage

Document Number	0000017376,
Date	Apr 15, 2026
Instrument	202617376

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 31, 2023
Property Address	20 SUNFISH DR, DEFIANCE, MO 63341-1636
Document Number	0000035704
Map Reference	MB 27 PG 50
Instrument Date	Aug 30, 2023
Instrument	2023R-035704
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 S LAKE DR, CAPE GIRARDEAU, MO 63701-9159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SUNFISH DR, DEFIANCE, MO 63341-1636

Mortgage

Document Number	0000035705
Date	Aug 31, 2023
Instrument	2023R-035705

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 20 Sunfish Dr was $6,458, up 4.3% from the year before.

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		$107,867 (-)	$567,719 (-) Land $90,000 Building $477,719
2025	$6,458.00 (+4.31%)	$107,867	$567,719 Land $90,000 Building $477,719
2024	$6,191.00
2023		$100,373
2022			$528,285 Land $75,000 Building $453,285

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 20 Sunfish 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 20 Sunfish Dr is moderate, ranking above 40% of the US, with a 0.06% 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	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 24 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
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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