St. Charles County property record for 43 Wilderness Ln, Defiance, MO 63341
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,475 sqft · built 1981 |
| Lot Size | 3.1 acres (135,036 sqft) |
| Owner | Company Name on Record |
| Last Sale | $310,000 (Apr 2019) |
| Tax Bill | $4,303 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 621660A063 |
| Primary APN | 621660A063 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,475 sqft Living Area |
| Gross Area | 3,000 sqft |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 475 sqft |
| Unfinished Basement | 25 sqft |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Bi-Level |
| Exterior Material | Logs |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 135,036 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | Deck Area |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 621660A063 |
|---|---|
| Street Address | 43 WILDERNESS LN |
| City | DEFIANCE |
| State | MO |
| Zip | 63341-2402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | WILDERNESS #3 LOT 43 |
| Legal Subdivision | WILDERNESS #3 |
| Legal Lot Number | 43 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 312204 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Oct 6, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Jan 22, 2021 | Deed of Trust, Mortgage FIRST CMNTY CU |
| Apr 15, 2019 | Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO |
| Feb 20, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2019 · Amount on Record |
| Deed Sale | Apr 15, 2019 · Amount on Record |
| Prior Sale | Feb 20, 2019 · Amount on Record |
| Deed Document Number | 2019166970 |
| Deed Book / Page | 7058 / 1943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Title Company | CLEAR TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Document Number | 2021R083238 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 2021R-083238 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Sep 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Document Number | 0000008232 |
| Instrument Date | Jan 22, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2021 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 43 WILDERNESS LN DEFIANCE MO 633412402, DEFIANCE, MO 63341-2402 |
| Document Number | 0000008232 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 8232 |
| Name | FIRST CMNTY CU |
|---|---|
| Address | CHESTERFIELD, MO 63005 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 27, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 15, 2019 |
| Property Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Document Number | 0070581943 |
| Book / Page | 7058 / 1943 |
| Map Reference | MB 20 PG 176&177 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 20190415000166970 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 83 WILDERNESS LN, 83, DEFIANCE, MO 63341-2402 |
| Name | Verified Name |
|---|---|
| Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Document Number | 20190415000166980 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 20190415000166980 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 20, 2019 |
| Property Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Document Number | 0070371112 |
| Book / Page | 7037 / 1112 |
| Map Reference | MB 20 PG 176&177 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 20190220000075160 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CONTINENTAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 250 OAK LN, 250, WENTZVILLE, MO 63385-6325 |
| Name | Verified Name |
|---|---|
| Address | 43 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Document Number | 20190220000075170 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 20190220000075170 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
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 | $71,872 (-) | $378,274 (-) Land $91,196 Building $287,078 | |
| 2025 | $4,303.00 | $71,872 (+6.46%) | $378,274 (+6.46%) Land $91,196 Building $287,078 |
| 2023 | $67,513 | ||
| 2022 | $355,336 Land $75,996 Building $279,340 |
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.
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.
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.
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 14 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 |
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