411 Matson Hill Rd, Defiance, MO 63341 Property Records

St. Charles County property record for 411 Matson Hill Rd, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,598 sqft · built 2017
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Tax Bill	$9,121 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Jul 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T161300009`

Property Details

APN / Parcel Number

Primary APN	`T161300009`
Alternative APN	`1-0008-S033-00-0001.3100000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,598 sqft Living Area
Gross Area	6,666 sqft
1st Floor Area	2,440 sqft
Basement Area	1,822 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Exterior Material	Stone
Lot Area	217,800 sqft
Garage Type	Attached
Garage Area	1,246 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T161300009
Street Address	411 MATSON HILL RD
City	DEFIANCE
State	MO
Zip	63341-3002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW 1/4
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2019
Census Tract	312204

Owner

411 Matson Hill Rd is owned by an individual who acquired it in August 2015.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	177 MATSON HILL RD, DEFIANCE, MO 63341-3003
Owner Type	Individual
Vesting	Single Person

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
Feb 12, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jul 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Mar 17, 2020	Loan Modification, Mortgage FIRST CMNTY CU
Aug 9, 2019	Loan Modification, Mortgage FIRST CMNTY CU
Oct 4, 2017	Trustee's Deed, Construction Loan · Construction Mortgage LEGENDS BK
May 22, 2017	Trustee's Deed, Construction Loan · Line of Credit LEGENDS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2015
Deed Sale	Aug 3, 2015
Deed Document Number	2015507810
Deed Book / Page	6398 / 947
Prior Transfer Date	Jul 13, 2015
Prior Transfer Doc	0063980947
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	411 MATSON HILL RD, DEFIANCE, MO 63341-3002
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MATSON HILL RD, DEFIANCE, MO 63341-3002

Mortgage

Document Number	2021R013265
Date	Feb 12, 2021
Instrument	2021R-013265

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jan 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	411 MATSON HILL RD, DEFIANCE, MO 63341-3002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069560250
Date	Jul 31, 2018
Book Page	6956/0250
Instrument	20180731000433770

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	411 MATSON HILL RD, DEFIANCE, MO 63341-3002
Document Number	0072511856
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MATSON RD DEFIANCE MO 63341, DEFIANCE, MO 63341

Mortgage

Document Number	0072511856
Date	Mar 19, 2020
Book Page	007251/001856
Instrument	169160

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	336 Months
Due	Mar 18, 2048

Interest

Rate	3.12%

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	411 MATSON HILL RD, DEFIANCE, MO 63341-3002
Document Number	0071312385
Instrument Date	Aug 9, 2019
Transaction Type	Mortgage
Record Updated	Sep 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MATSON HILL RD DEFIANCE MO 633413002, DEFIANCE, MO 63341-3002

Mortgage

Document Number	0071312385
Date	Aug 28, 2019
Book Page	007131/002385
Instrument	460190

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2049

Interest

Rate	4.25%

October 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 4, 2017
Property Address	411 MATSON HILL RD, DEFIANCE, MO 63341-3002
Document Number	0068181409
Book / Page	006818 / 001409
Instrument Date	Sep 8, 2017
Instrument	625920
Transaction Type	Construction Loan
Record Updated	Oct 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MATSON RD DEFIANCE MO 63341, DEFIANCE, MO 63341

Mortgage

Document Number	68181409
Date	Oct 4, 2017
Book Page	006818/001409
Instrument	625920

Lender

Name	LEGENDS BK
Type	Bank
Address	LINN, MO 65051

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 3, 2018

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 22, 2017
Property Address	411 MATSON HILL RD, DEFIANCE, MO 63341-3002
Document Number	0067470303
Book / Page	006747 / 000303
Instrument Date	May 17, 2017
Instrument	312180
Transaction Type	Construction Loan
Record Updated	May 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MATSON RD DEFIANCE MO 63341, DEFIANCE, MO 63341

Mortgage

Document Number	67470303
Date	May 22, 2017
Book Page	006747/000303
Instrument	312180

Lender

Name	LEGENDS BK
Type	Bank
Address	LINN, MO 65051

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 21, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 411 Matson Hill Rd was $9,121, up 5.2% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$174,410 (+6.65%)	$917,947 (+6.65%) Land $80,000 Building $837,947
2025	$9,121.00 (+5.2%)	$163,538	$860,726 Land $80,000 Building $780,726
2024	$8,670.00
2023		$151,622
2022			$798,008 Land $80,000 Building $718,008

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

Flood

FEMA maps place 411 Matson Hill Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims 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
Flood Insurance Cost	Premium on File 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

Wildfire risk around 411 Matson Hill Rd is moderate, ranking above 40% of the US, with a 0.05% 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	0.05% 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 6 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: Verizon.

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