41 Sunfish Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 41 Sunfish Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,178 sqft · built 2002
Lot Size	3.88 acres (169,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$572,000 (Apr 2023)
Tax Bill	$6,023 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A883001790`

Property Details

APN / Parcel Number

Primary APN	`A883001790`
Alternative APN	`3-0077-6262-00-0116.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,178 sqft Living Area
Gross Area	5,150 sqft
1st Floor Area	2,178 sqft
Basement Area	2,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	169,013 sqft
Garage Type	Attached
Garage Area	846 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	122 sqft
Patio Area	556 sqft

Location & Zoning

Account Number	A883001790
Street Address	41 SUNFISH DR
City	DEFIANCE
State	MO
Zip	63341-1645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #6 LOT 116
Legal Subdivision	CALLAWAY VALLEY #6
Legal Lot Number	116
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

Source: St. Charles County records, as of September 10, 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	41 SUNFISH DR, DEFIANCE, MO 63341-1645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Aug 18, 2021	Deed of Trust, Mortgage · Line of Credit ST LOUIS BANK
Apr 6, 2023	Intrafamily Transfer, Transfer INVESTORS TITLE COMPANY
Apr 6, 2023	Special Warranty Deed, Transfer · Conventional Mortgage FIRST BANK
Apr 6, 2023	Affidavit of Death of Joint Tenant, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2023 · Amount on Record
Deed Sale	Apr 6, 2023 · Amount on Record
Deed Document Number	202313054
Prior Transfer Date	Mar 31, 2023
Prior Transfer Doc	0000013053
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645

Mortgage

Document Number	0000042954
Date	Sep 29, 2025
Instrument	2025R-042954

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2040

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645

Mortgage

Document Number	0000069319
Date	Aug 18, 2021
Instrument	2021R-069319

Lender

Name	ST LOUIS BANK
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2023
Property Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645
Document Number	0000013053
Map Reference	MB 27 PG 50
Instrument Date	Mar 31, 2023
Instrument	2023R-013053
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2908 EARTH CREST DR, WASHINGTON, MO 63090-6722

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2908 EARTH CREST DR, WASHINGTON, MO 63090-6722

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2023
Property Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645
Document Number	0000013054
Map Reference	MB 27 PG 50
Instrument Date	Mar 31, 2023
Instrument	2023R-013054
Transaction Type	Transfer
Record Updated	Apr 20, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2908 EARTH CREST DR, WASHINGTON, MO 63090-6722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645

Mortgage

Document Number	0000013055
Date	Apr 6, 2023
Instrument	2023R-013055

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Apr 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	Other
Margin	3
Max Rate	11%

April 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2023
Property Address	41 SUNFISH DR, DEFIANCE, MO 63341-1645
Document Number	0000013052
Map Reference	MB 27 PG 50
Instrument Date	Mar 31, 2023
Instrument	2023R-013052
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	INVESTORS TITLE COMPANY

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	Living Trust
Address	2908 EARTH CREST DR, WASHINGTON, MO 63090-6722

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		$100,610 (-)	$529,523 (-) Land $112,198 Building $417,325
2025	$6,023.00	$100,610 (+7.15%)	$529,523 (+7.15%) Land $112,198 Building $417,325
2023		$93,896
2022			$494,190 Land $93,498 Building $400,692

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
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

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 15 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

Cell Coverage

No cell data coverage reported

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