21 White River Ln, Defiance, MO 63341 Property Records

St. Charles County property record for 21 White River Ln, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,860 sqft · built 1992
Lot Size	3.48 acres (151,589 sqft)
Owner	2 Trust Names on Record
Last Sale	$328,100 (Apr 2020)
Tax Bill	$4,758 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A870001129`

Property Details

APN / Parcel Number

Primary APN	`A870001129`
Alternative APN	`3-0077-6042-00-076G.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
Gross Area	4,140 sqft
1st Floor Area	1,860 sqft
Basement Area	1,818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	151,589 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	248 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870001129
Street Address	21 WHITE RIVER LN
City	DEFIANCE
State	MO
Zip	63341-1641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #5 LOT 76G
Legal Subdivision	CALLAWAY VALLEY #5
Legal Lot Number	76G
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	21 WHITE RIVER LN, DEFIANCE, MO 63341-1641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage AMERICAN MTG CORP
Apr 29, 2020	Quit Claim Deed, Transfer FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS
Apr 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORP
Mar 5, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2020 · Amount on Record
Deed Sale	Apr 9, 2020 · Amount on Record
Prior Sale	Jul 7, 2015 · Amount on Record
Deed Document Number	2020218570
Deed Book / Page	7266 / 425
Prior Transfer Date	Apr 1, 2020
Prior Transfer Doc	0072821064
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	21 WHITE RIVER LN, DEFIANCE, MO 63341-1641
Document Number	0000101927
Instrument Date	Dec 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 WHITE RIVER LN DEFIANCE MO 633411641, DEFIANCE, MO 63341-1641

Mortgage

Document Number	0000101927
Date	Dec 28, 2020
Instrument	101927

Lender

Name	AMERICAN MTG CORP
Address	SAINT LOUIS, MO 63114

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 29, 2020
Property Address	21 WHITE RIVER LN, DEFIANCE, MO 63341-1641
Document Number	0072821064
Book / Page	007282 / 001064
Instrument Date	Apr 1, 2020
Instrument	271550
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 WHITE RIVER LN DEFIANCE MO 633411641, DEFIANCE, MO 63341-1641

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 9, 2020
Property Address	21 WHITE RIVER LN, DEFIANCE, MO 63341-1641
Document Number	0072660425
Book / Page	7266 / 425
Map Reference	MB 25 PG 127
Instrument Date	Apr 1, 2020
Instrument	20200409000218570
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WHITE RIVER LN, DEFIANCE, MO 63341-1641

Mortgage

Document Number	20200409000218580
Date	Apr 9, 2020
Instrument	20200409000218580

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 5, 2019
Property Address	21 WHITE RIVER LN, DEFIANCE, MO 63341-1641
Document Number	0070422279
Book / Page	007042 / 002279
Instrument Date	Feb 21, 2019
Instrument	97220
Transaction Type	Transfer
Record Updated	Mar 22, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 WHITE RIVER LN DEFIANCE MO 633411641, DEFIANCE, MO 63341-1641

Tax Assessment & Valuation

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		$79,471 (-)	$418,267 (-) Land $98,397 Building $319,870
2025	$4,758.00 (+2.9%)	$79,471 (+6%)	$418,267 (+6%) Land $98,397 Building $319,870
2024	$4,624.00
2023		$74,970
2022			$394,577 Land $81,998 Building $312,579

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 47% of Missouri
Wildfire Likelihood	0.07% 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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