20 White River Ln, Defiance, MO 63341 Property Records

St. Charles County property record for 20 White River Ln, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,756 sqft · built 1992
Lot Size	3.03 acres (132,422 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Jul 2019)
Tax Bill	$4,737 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit Jul 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870001105`

Property Details

APN / Parcel Number

Primary APN	`A870001105`
Alternative APN	`3-0077-6042-00-0058.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
Gross Area	4,137 sqft
1st Floor Area	1,756 sqft
Basement Area	1,756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	132,422 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870001105
Street Address	20 WHITE RIVER LN
City	DEFIANCE
State	MO
Zip	63341-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #5 LOT 58
Legal Subdivision	CALLAWAY VALLEY #5
Legal Lot Number	58
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

20 White River Ln is owned and occupied by two individuals who bought it in July 2019.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 WHITE RIVER LN, DEFIANCE, MO 63341-1640
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
Sep 24, 2019	Deed of Trust, Mortgage · Line of Credit 1ST ADVANTAGE BANK
Jul 16, 2019	Warranty Deed, Transfer US TITLE
Mar 29, 2017	Loan Modification, Mortgage · Line of Credit COMMERCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2019 · Amount on File
Deed Sale	Jul 16, 2019 · Amount on File
Prior Sale	Jul 16, 2019 · Amount on File
Deed Document Number	2019360510
Deed Book / Page	7105 / 2015
Prior Transfer Date	Jul 15, 2019
Prior Transfer Doc	0071052013
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071480602
Date	Sep 24, 2019
Book Page	7148/0602
Instrument	20190924000524040

Lender

Name	1ST ADVANTAGE BANK
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 16, 2019
Property Address	20 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Document Number	0071052015
Book / Page	007105 / 002015
Instrument Date	Jul 15, 2019
Instrument	360510
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	US TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 WHITE RIVER LN DEFIANCE MO 633411640, DEFIANCE, MO 63341-1640

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	20 WHITE RIVER LN, DEFIANCE, MO 63341-1640
Document Number	0067252059
Book / Page	006725 / 002059
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 WHITE RIVER LN DEFIANCE MO 633411640, DEFIANCE, MO 63341-1640

Mortgage

Document Number	0067252059
Date	Apr 11, 2017
Book Page	006725/002059
Instrument	215550

Lender

Name	COMMERCE BK
Type	Bank
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 White River Ln was $4,737, up 2.7% 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		$79,125 (-)	$416,453 (-) Land $89,996 Building $326,457
2025	$4,737.00 (+2.69%)	$79,125	$416,453 Land $89,996 Building $326,457
2024	$4,613.00
2023		$74,789
2022			$393,630 Land $74,997 Building $318,633

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 White River Ln 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 White River Ln is moderate, ranking above 45% 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 45% of the US · above 52% 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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