4465 Wilson Rd, Defiance, MO 63341 Property Records

St. Charles County property record for 4465 Wilson Rd, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,659 sqft · built 2005
Lot Size	2.51 acres (109,771 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,739 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T062000015`

Property Details

APN / Parcel Number

Primary APN	`T062000015`
Alternative APN	`3-0046-9870-00-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,659 sqft Living Area
Gross Area	5,479 sqft
1st Floor Area	2,140 sqft
Basement Area	1,494 sqft
Finished Basement	1,400 sqft
Unfinished Basement	94 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	109,771 sqft
Garage Type	Attached
Garage Area	726 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000015
Street Address	4465 WILSON RD
City	DEFIANCE
State	MO
Zip	63341-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILSON EST PT LOT 1 & T062000016
Legal Subdivision	WILSON EST
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2034
Census Tract	312206

Owner

Source: St. Charles County records, as of September 24, 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	4465 WILSON RD, DEFIANCE, MO 63341-1109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE
Mar 18, 2020	Deed of Trust, Mortgage FIRST CMNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026
Deed Sale	Mar 31, 2026
Prior Sale	Sep 5, 2018 · Amount on Record
Deed Document Number	202614679
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4465 WILSON RD, DEFIANCE, MO 63341-1109
Transaction Type	Mortgage
Record Updated	Feb 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4465 WILSON RD, DEFIANCE, MO 63341-1109

Mortgage

Document Number	0000008552
Date	Feb 11, 2022
Instrument	2022R-008552

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4465 WILSON RD, DEFIANCE, MO 63341-1109
Document Number	0072540927
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4465 WILSON RD DEFIANCE MO 633411109, DEFIANCE, MO 63341-1109

Mortgage

Document Number	0072540927
Date	Mar 24, 2020
Book Page	007254/000927
Instrument	179630

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2050

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		$145,958 (-)	$768,201 (-) Land $90,720 Building $677,481
2025	$8,739.00 (+5.39%)	$145,958 (+8.56%)	$768,201 (+8.56%) Land $90,720 Building $677,481
2024	$8,292.00
2023		$134,443
2022			$707,601 Land $75,600 Building $632,001

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

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	Low lower than 62% of the US · lower than 67% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Wisper ISP.

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