St. Charles County property record for 404 Old Colony Rd, Defiance, MO 63341
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 3,242 sqft · built 2001 |
| Lot Size | 2.6 acres (113,256 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $290,000 (Jul 2004) |
| Tax Bill | $6,184 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Jan 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T021300005 |
| Primary APN | T021300005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 3,242 sqft Living Area |
| Gross Area | 4,474 sqft |
| 1st Floor Area | 1,942 sqft |
| Basement Area | 1,732 sqft |
| Finished Basement | 1,300 sqft |
| Unfinished Basement | 432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 113,256 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 800 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 14 sqft |
| Deck Area | Deck Area |
| Patio Area | 472 sqft |
| Account Number | T021300005 |
|---|---|
| Street Address | 404 OLD COLONY RD |
| City | DEFIANCE |
| State | MO |
| Zip | 63341-2322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SUR 937 |
| Legal Subdivision | US SURV 937 |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 312204 |
404 Old Colony Rd is owned by a company that acquired it in February 2006.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 404 OLD COLONY RD, DEFIANCE, MO 63341-2322 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · Line of Credit GATEWAY METRO FCU |
| Jan 28, 2022 | Deed of Trust, Mortgage · Line of Credit GATEWAY METRO FCU |
| Jun 17, 2020 | Deed of Trust, Mortgage CENTRAL BK/ST LOUIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2004 · Amount on File |
| Deed Sale | Jul 26, 2004 · Amount on File |
| Prior Sale | Jun 24, 2003 · Amount on File |
| Deed Document Number | 2004717760 |
| Deed Book / Page | 3934 / 2240 |
| Last Transfer Date | Feb 3, 2006 |
| Transfer Doc | 0044092412 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 404 OLD COLONY RD, DEFIANCE, MO 63341-2322 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 404 OLD COLONY RD, DEFIANCE, MO 63341-2322 |
| Document Number | 0000012558 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 2022R-012558 |
| Name | GATEWAY METRO FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 404 OLD COLONY RD, DEFIANCE, MO 63341-2322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 404 OLD COLONY RD, DEFIANCE, MO 63341-2322 |
| Document Number | 0000005865 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 2022R-005865 |
| Name | GATEWAY METRO FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 27, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 404 OLD COLONY RD, DEFIANCE, MO 63341-2322 |
| Document Number | 0073271074 |
| Instrument Date | Jun 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 404 OLD COLONY RD DEFIANCE MO 633412322, DEFIANCE, MO 63341-2322 |
| Document Number | 0073271074 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 007327/001074 |
| Instrument | 429290 |
| Name | CENTRAL BK/ST LOUIS |
|---|---|
| Address | SAINT LOUIS, MO 63105-1809 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 22, 2050 |
The 2025 property tax bill for 404 Old Colony Rd was $6,184, up 6.3% 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 | $103,286 (-) | $543,608 (-) Land $72,800 Building $470,808 | |
| 2025 | $6,184.00 (+6.25%) | $103,286 | $543,608 Land $72,800 Building $470,808 |
| 2024 | $5,820.00 | ||
| 2023 | $94,351 | ||
| 2022 | $496,583 Land $62,400 Building $434,183 |
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.
FEMA maps place 404 Old Colony Rd 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 risk around 404 Old Colony Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 67% of Missouri |
|---|---|
| Wildfire Likelihood | 0.05% 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 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Sparklight Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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