St. Charles County property record for 32 White River Ln, Defiance, MO 63341
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,985 sqft · built 1999 |
| Lot Size | 4.61 acres (201,247 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,679 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | A870001108 |
| Primary APN | A870001108 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,985 sqft Living Area |
| Gross Area | 5,188 sqft |
| 1st Floor Area | 1,985 sqft |
| Basement Area | 1,985 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 201,247 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 1,218 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A870001108 |
|---|---|
| Street Address | 32 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 61 |
| Legal Subdivision | CALLAWAY VALLEY #5 |
| Legal Lot Number | 61 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 312204 |
32 White River Ln is owned and occupied by two individuals who acquired it in October 2005.
Source: St. Charles County records, as of August 7, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 WHITE RIVER LN, DEFIANCE, MO 63341-1640 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 21, 2005 |
| Transfer Doc | 0043450916 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 32 White River Ln was $4,679, up 4.4% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,159 (-) | $411,362 (-) Land $118,198 Building $293,164 | |
| 2025 | $4,679.00 (+4.42%) | $78,159 | $411,362 Land $118,198 Building $293,164 |
| 2024 | $4,481.00 | ||
| 2023 | $72,655 | ||
| 2022 | $382,395 Land $98,498 Building $283,897 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 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 risk around 32 White River Ln 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.
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 |
| 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.
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 |
4G LTE (outdoors only), no 5G reported
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