451 Howell Rd, Defiance, MO 63341 Property Records

St. Charles County property record for 451 Howell Rd, Defiance, MO 63341

Property Summary

Property Type	Other Improved
Details	3 bd · 2.5 ba · 1,466 sqft · built 1970
Lot Size	3.13 acres (136,343 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Feb 2021)
Tax Bill	$1,445 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Feb 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`173040A000`

Property Details

APN / Parcel Number

Primary APN	`173040A000`
Alternative APN	`1-0037-0970-00-0012.2100000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,466 sqft
1st Floor Area	1,466 sqft

Exterior

Year Built	Built 1970
Lot Area	136,343 sqft (3.13 acres)

Location & Zoning

Account Number	173040A000
Old Parcel Number	173040A000
Street Address	451 HOWELL RD
City	DEFIANCE
State	MO
Zip	63341-2913
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	AA1
Legal Description	PT SUR 970 & 1307
Legal Range	02E
Legal Township	45N
Legal Subdivision	US SURVEYS 1307
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2014
Census Tract	312204

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	6 CHERRY ORCHARD CT, DEFIANCE, MO 63341-1700
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES SAVINGS BANK OF RHINELAND
Feb 8, 2021	Warranty Deed, Transfer · Line of Credit PEOPLES SAVINGS BANK OF RHINELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2021 · Amount on Record
Deed Sale	Feb 8, 2021 · Amount on Record
Prior Sale	Dec 7, 2004 · Amount on Record
Deed Document Number	0202111639
Deed Book / Page	2021 / 11639
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	451 HOWELL RD, DEFIANCE, MO 63341-2913
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CHERRY ORCHARD CT, DEFIANCE, MO 63341-1700

Mortgage

Document Number	0000026251
Date	Jul 5, 2023
Instrument	2023R-026251

Lender

Name	PEOPLES SAVINGS BANK OF RHINELAND
Type	Bank
Address	HERMANN, MO 65041

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 8, 2021
Property Address	451 HOWELL RD, DEFIANCE, MO 63341-2913
Document Number	0000011639
Instrument Date	Feb 5, 2021
Instrument	2021R-011639
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1375 SCHLUERSBURG RD, AUGUSTA, MO 63332-1215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 CHERRY ORCHARD CT, DEFIANCE, MO 63341-1700

Mortgage

Document Number	0000011640
Date	Feb 8, 2021
Instrument	2021R-011640

Lender

Name	PEOPLES SAVINGS BANK OF RHINELAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$1,445.00	$25,917 (+98.1%)	$136,407 (+98.09%) Land $68,860 Building $67,547
2023		$13,083
2022			$68,860 Land $68,860

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

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 Record 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

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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