3680 Forest Edge Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 3680 Forest Edge Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,270 sqft · built 1996
Lot Size	3.61 acres (157,252 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,305 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A973001112`

Property Details

APN / Parcel Number

Primary APN	`A973001112`
Alternative APN	`3-0079-7564-00-0044.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	4,270 sqft Living Area
Gross Area	5,668 sqft
1st Floor Area	2,670 sqft
Basement Area	2,446 sqft
Finished Basement	1,600 sqft
Unfinished Basement	846 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	157,252 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	656 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	A973001112
Street Address	3680 FOREST EDGE DR
City	DEFIANCE
State	MO
Zip	63341-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	FOREST LAKE ESTS #1 LOT 44
Legal Subdivision	FOREST LAKE EST #1
Legal Lot Number	44
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3000
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 Individual Names on Record
Mailing Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK
Nov 15, 2021	Beneficiary Deed, Transfer
Dec 4, 2020	Deed of Trust, Mortgage COMMERCIAL BK
May 14, 2018	Warranty Deed, Transfer · Conventional Mortgage COMMERCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021
Deed Sale	Nov 15, 2021
Prior Sale	May 14, 2018 · Amount on Record
Deed Document Number	202193818
Prior Transfer Date	Nov 9, 2021
Prior Transfer Doc	2021R093818
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073451168
Date	Jul 15, 2020
Book Page	7345/1168
Instrument	20200715000492830

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072291780
Date	Feb 11, 2020
Book Page	7229/1780
Instrument	20200211000085680

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

November 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 15, 2021
Property Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810
Document Number	2021R093818
Map Reference	MB 42 PG 66
Instrument Date	Nov 9, 2021
Instrument	2021R-093818
Transaction Type	Transfer
Record Updated	Dec 1, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8088 GLEN ARBOR DR, 8088, LAKE ST LOUIS, MO 63367-4296

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810
Document Number	0000097432
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3680 FOREST EDGE DR DEFIANCE MO 633411810, DEFIANCE, MO 63341-1810

Mortgage

Document Number	0000097432
Date	Dec 11, 2020
Instrument	97432

Lender

Name	COMMERCIAL BK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2018
Property Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810
Document Number	0069181300
Book / Page	6918 / 1300
Map Reference	MB 33 PG 258
Instrument Date	Apr 26, 2018
Instrument	20180514000264860
Transaction Type	Transfer
Record Updated	Dec 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3680 FOREST EDGE DR, 3680, DEFIANCE, MO 63341-1810

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3680 FOREST EDGE DR, DEFIANCE, MO 63341-1810

Mortgage

Document Number	20180514000264870
Date	May 14, 2018
Instrument	20180514000264870

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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		$139,298 (+0.42%)	$733,148 (+0.42%) Land $138,624 Building $594,524
2025	$8,305.00 (+2.23%)	$138,717 (+5.32%)	$730,086 (+5.32%) Land $138,624 Building $591,462
2024	$8,124.00
2023		$131,706
2022			$693,188 Land $115,520 Building $577,668

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding

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 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.06% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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