431 Howell Rd, Defiance, MO 63341 Property Records

St. Charles County property record for 431 Howell Rd, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,272 sqft · built 1970
Lot Size	4.86 acres (212,137 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Mar 2006)
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Nov 2021 Sale Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T051300020`

Property Details

APN / Parcel Number

Primary APN	`T051300020`
Alternative APN	`1-0037-0970-00-0012.2110000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,272 sqft Living Area
Gross Area	3,620 sqft
1st Floor Area	1,466 sqft
Basement Area	1,404 sqft
Finished Basement	806 sqft
Unfinished Basement	598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	212,137 sqft
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	92 sqft
Deck Area	204 sqft
Patio Area	480 sqft

Location & Zoning

Account Number	T051300020
Street Address	431 HOWELL RD
City	DEFIANCE
State	MO
Zip	63341-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SUR 970 & 1307
Legal Subdivision	PART/US SURVS 970 & 1307
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2014
Census Tract	312204

Owner

431 Howell Rd is owned and occupied by two individuals who bought it in March 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	431 HOWELL RD, DEFIANCE, MO 63341-2913
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 17, 2021	Beneficiary Deed, Transfer
Oct 23, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2006 · Amount on File
Deed Sale	Mar 17, 2006 · Amount on File
Deed Document Number	2006225880
Deed Book / Page	4439 / 1186
Prior Transfer Date	Feb 27, 2006
Prior Transfer Doc	0044391186
Record Updated	Oct 29, 2026

November 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2021
Property Address	431 HOWELL RD, DEFIANCE, MO 63341-2913
Document Number	2021R094388
Instrument Date	Nov 17, 2021
Instrument	2021R-094388
Transaction Type	Transfer
Record Updated	Dec 2, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 HOWELL RD, DEFIANCE, MO 63341-2913

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	431 HOWELL RD, DEFIANCE, MO 63341-2913
Document Number	0000082854
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	431 HOWELL RD DEFIANCE MO 633412913, DEFIANCE, MO 63341-2913

Mortgage

Document Number	0000082854
Date	Oct 29, 2020
Instrument	82854

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 431 Howell Rd was $3,115, down 1.4% 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		$55,853 (-)	$293,964 (-) Land $85,001 Building $208,963
2025	$3,115.00 (-1.36%)	$55,853	$293,964 Land $85,001 Building $208,963
2024	$3,158.00
2023		$55,231
2022			$290,691 Land $85,001 Building $205,690

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

FEMA maps place 431 Howell 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 431 Howell Rd is low, with a 0.04% annual chance of 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

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 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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