St. Charles County property record for 45 Wilderness Ln, Defiance, MO 63341
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,365 sqft · built 1985 |
| Lot Size | 3.6 acres (156,816 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $211,000 (Apr 1999) |
| Tax Bill | $5,724 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 621660A065 |
| Primary APN | 621660A065 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,365 sqft Living Area |
| Gross Area | 5,609 sqft |
| 1st Floor Area | 2,365 sqft |
| Basement Area | 2,365 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 156,816 sqft |
| Garage Type | Attached |
| Garage Area | 879 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 315 sqft |
| Patio Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 621660A065 |
|---|---|
| Street Address | 45 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 45 |
| Legal Subdivision | WILDERNESS #3 |
| Legal Lot Number | 45 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 312204 |
45 Wilderness Ln is owned and occupied by two individuals who bought it in April 1999.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 1999 · Amount on File |
| Deed Sale | Apr 16, 1999 · Amount on File |
| Deed Document Number | 199932977 |
| Deed Book / Page | 2237 / 554 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 45 WILDERNESS LN, DEFIANCE, MO 63341-2402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0073601348 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 7360/1348 |
| Instrument | 20200803000546750 |
| Name | UMB BANK NA |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 45 Wilderness Ln was $5,724.
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 | $95,612 (-) | $503,219 (-) Land $97,200 Building $406,019 | |
| 2025 | $5,724.00 | $95,612 | $503,219 Land $97,200 Building $406,019 |
| 2023 | $89,758 | ||
| 2022 | $472,411 Land $81,000 Building $391,411 |
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.
FEMA maps place 45 Wilderness Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 |
| 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.
Wildfire risk around 45 Wilderness Ln is moderate, ranking above 40% of the US, with a 0.06% 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 | 0.06% 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 |
5G and 4G LTE (outdoors only)
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