403 Howell Rd, Defiance, MO 63341 Property Records

St. Charles County property record for 403 Howell Rd, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 892 sqft · built 1957
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$124,400 (Jul 2017)
Tax Bill	$1,710 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`173190A000`

Property Details

APN / Parcel Number

Primary APN	`173190A000`
Alternative APN	`1-0037-0970-00-0013.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
Gross Area	1,832 sqft
1st Floor Area	892 sqft
Basement Area	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	192 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	92 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	173190A000
Street Address	403 HOWELL RD
City	DEFIANCE
State	MO
Zip	63341-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	PT SUR 970 & 1307
Legal Subdivision	PART/SURV 970
Legal Lot Number	13
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2014
Census Tract	312204

Owner

Source: St. Charles County assessment roll, as of August 13, 2025

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 File
Mailing Address	403 HOWELL RD, DEFIANCE, MO 63341-2913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Jul 19, 2017	Quit Claim Deed, Transfer LOW VA RATES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 19, 2017 · Amount on Record
Deed Sale	Jul 19, 2017 · Amount on Record
Prior Sale	Sep 22, 2010 · Amount on Record
Deed Document Number	2017443100
Deed Book / Page	6776 / 2336
Prior Transfer Date	Jul 11, 2017
Prior Transfer Doc	0067762336
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	403 HOWELL RD, DEFIANCE, MO 63341-2913
Document Number	0000067720
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 HOWELL RD DEFIANCE MO 633412913, DEFIANCE, MO 63341-2913

Mortgage

Document Number	0000067720
Date	Sep 14, 2020
Instrument	67720

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 19, 2017
Property Address	403 HOWELL RD, DEFIANCE, MO 63341-2913
Document Number	0067762336
Book / Page	006776 / 002336
Instrument Date	Jul 11, 2017
Instrument	443100
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 HOWELL RD DEFIANCE MO 633412913, DEFIANCE, MO 63341-2913

Mortgage

Document Number	67762339
Date	Jul 19, 2017
Book Page	006776/002339
Instrument	443110

Lender

Name	LOW VA RATES LLC
Address	384 S 400 W # 100, LINDON, UT 84042-1957

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Washington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,710.00 (-1.67%)	$30,673 (+0.85%)	$161,435 (+0.85%) Land $45,000 Building $116,435
2024	$1,739.00
2023		$30,414
2022			$160,069 Land $45,000 Building $115,069

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
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	6 (1993–2000)
Claims Outside the SFHA	3 of 6
Most Recent Claim	May 2000 · Severe Thunderstorms And Flash Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 3 claims

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	Low lower than 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Wisper ISP.

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