460 Matts Way, Defiance, MO 63341 Property Records

St. Charles County property record for 460 Matts Way, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 6,345 sqft · built 1999
Lot Size	3 acres (130,680 sqft)
Owner	2 Company Names on Record
Last Sale	$875,000 (Nov 2021)
Tax Bill	$9,742 (2024)
Deeds & Mortgages	May 2026 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A983000137`

Property Details

APN / Parcel Number

Primary APN	`A983000137`
Alternative APN	`3-0146-7713-00-0019.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	6,345 sqft Living Area
Gross Area	8,013 sqft
1st Floor Area	3,645 sqft
Basement Area	3,621 sqft
Finished Basement	2,700 sqft
Unfinished Basement	921 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	130,680 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	747 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	66 sqft
Deck Area	Deck Area
Patio Area	764 sqft

Location & Zoning

Account Number	A983000137
Street Address	460 MATTS WAY
City	DEFIANCE
State	MO
Zip	63341-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGECREEK EST LOT 19
Legal Subdivision	RIDGECREEK EST
Legal Lot Number	19
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3006
Census Tract	312204

Owner

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	2 Company Names on Record
Mailing Address	460 MATTS WAY, DEFIANCE, MO 63341-2525
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Jul 26, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES SAVINGS BANK OF RHINELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on Record
Deed Sale	Nov 24, 2021 · Amount on Record
Prior Sale	Dec 2, 2014
Deed Document Number	202195983
Prior Transfer Date	Oct 25, 2007
Prior Transfer Doc	0048701420
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 19, 2026
Property Address	460 MATTS WAY, DEFIANCE, MO 63341-2525
Document Number	0000023401
Instrument Date	May 23, 2025
Instrument	202623401
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	460 MATTS WAY, DEFIANCE, MO 63341-2525

Mortgage

Document Number	0000023401,
Date	May 19, 2026
Instrument	202623401

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	349 Months
Due	Jun 17, 2055

Interest

Rate	6.81%
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2021
Property Address	460 MATTS WAY, DEFIANCE, MO 63341-2525
Document Number	2021R095983
Map Reference	MB 34 PG 74
Instrument Date	Nov 19, 2021
Instrument	2021R-095983
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	460 MATTS WAY, 460, DEFIANCE, MO 63341-2525

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	460 MATTS WAY, DEFIANCE, MO 63341-2525

Mortgage

Document Number	2021R095984
Date	Nov 24, 2021
Instrument	2021R-095984

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	460 MATTS WAY, DEFIANCE, MO 63341-2525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067810204
Date	Jul 26, 2017
Book Page	6781/0204
Instrument	20170726000463540

Lender

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

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 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		$192,685 (-)	$1,014,133 (-) Land $119,997 Building $894,136
2025		$192,685 (+8.51%)	$1,014,133 (+8.51%) Land $119,997 Building $894,136
2024	$9,742.00
2023		$177,573
2022			$934,595 Land $99,998 Building $834,597

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Brightspeed Fiber	940 / 940

May also be available: Wisper ISP.

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