3740 Forest Meadow, Defiance, MO 63341 Property Records

St. Charles County property record for 3740 Forest Meadow, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,271 sqft · built 1999
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on File
Last Sale	$715,000 (Aug 2022)
Tax Bill	$7,310 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A983000756`

Property Details

APN / Parcel Number

Primary APN	`A983000756`
Alternative APN	`3-0079-7804-00-0015.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,271 sqft Living Area
Gross Area	6,259 sqft
1st Floor Area	3,271 sqft
Basement Area	2,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	131,116 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	304 sqft
Patio Area	362 sqft

Location & Zoning

Account Number	A983000756
Street Address	3740 FOREST MEADOW DR
City	DEFIANCE
State	MO
Zip	63341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	FOREST LAKE ESTS #3 LOT 15
Legal Subdivision	FOREST LAKE EST #3
Legal Lot Number	15
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3001
Census Tract	312204

Owner

3740 Forest Meadow is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3740 FOREST MEADOW DR, DEFIANCE, MO 63341
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
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Feb 2, 2023	Intrafamily Transfer, Transfer
Aug 12, 2022	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on File
Deed Sale	Aug 12, 2022 · Amount on File
Prior Sale	Oct 9, 2018 · Amount on File
Deed Document Number	202244865
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 15, 2026
Property Address	3740 FOREST MEADOW DR, DEFIANCE, MO 63341
Document Number	0000027953
Instrument Date	Jun 9, 2026
Instrument	202627953
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3740 FOREST MEADOW DR, DEFIANCE, MO 63341

Mortgage

Document Number	0000027953,
Date	Jun 15, 2026
Instrument	202627953

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2046

Interest

Rate	6.36%
Max Rate	-1%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 2, 2023
Property Address	3740 FOREST MDW, DEFIANCE, MO 63341-1818
Document Number	0000004117
Map Reference	MB 40 PG 195
Instrument Date	Jan 26, 2023
Instrument	2023R-004117
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	528 ELM CREEK DR, WENTZVILLE, MO 63385-3240

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 12, 2022
Property Address	3740 FOREST MDW, DEFIANCE, MO 63341-1818
Document Number	0000044865
Map Reference	MB 34 PG 209
Instrument Date	Aug 9, 2022
Instrument	2022R-044865
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	1221 STREAMBED DR, RIVERVIEW, FL 33579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3740 FOREST MDW, DEFIANCE, MO 63341-1818

Mortgage

Document Number	0000044866
Date	Aug 12, 2022
Instrument	2022R-044866

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3740 Forest Meadow was $7,310.

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		$122,105 (-)	$642,655 (-) Land $115,584 Building $527,071
2025	$7,310.00	$122,105	$642,655 Land $115,584 Building $527,071
2023		$115,045
2022			$605,501 Land $96,320 Building $509,181

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 3740 Forest Meadow in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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

Wildfire risk around 3740 Forest Meadow 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	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 23 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, Wisper ISP.

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