461 Matts Way, Defiance, MO 63341 Property Records

St. Charles County property record for 461 Matts Way, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 8,424 sqft · built 2013
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Jan 2022)
Tax Bill	$16,570 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Feb 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A983000133`

Property Details

APN / Parcel Number

Primary APN	`A983000133`
Alternative APN	`3-0146-7713-00-0015.0000000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	8,424 sqft Living Area
Gross Area	9,432 sqft
1st Floor Area	3,394 sqft
Basement Area	3,380 sqft
Finished Basement	3,100 sqft
Unfinished Basement	280 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	178,596 sqft
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	A983000133
Street Address	461 MATTS WAY
City	DEFIANCE
State	MO
Zip	63341-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGECREEK EST LOT 15
Legal Subdivision	RIDGECREEK EST
Legal Lot Number	15
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3006
Census Tract	312204

Owner

461 Matts Way is owned and occupied by two individuals who bought it in January 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	461 MATTS WAY, DEFIANCE, MO 63341-2524
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
Jan 13, 2021	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Feb 4, 2022	Warranty Deed, Transfer HERITAGE TITLE COMPANY
Jan 4, 2022	Intrafamily Transfer, Transfer · Line of Credit WEST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2022 · Amount on File
Deed Sale	Jan 4, 2022 · Amount on File
Prior Sale	Jan 4, 2022 · Amount on File
Deed Document Number	2022493
Prior Transfer Date	Dec 11, 2021
Prior Transfer Doc	0000000492
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	461 MATTS WAY, DEFIANCE, MO 63341-2524
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003774
Date	Jan 13, 2021
Instrument	2021R-003774

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Nov 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 4, 2022
Property Address	461 MATTS WAY, DEFIANCE, MO 63341-2524
Document Number	0000007184
Map Reference	MB 34 PG 74
Instrument Date	Jan 31, 2022
Instrument	2022R-007184
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	HERITAGE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	461 MATTS WAY, DEFIANCE, MO 63341-2524

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 4, 2022
Property Address	461 MATTS WAY, DEFIANCE, MO 63341-2524
Document Number	0000000493
Map Reference	MB 34 PG 74
Instrument Date	Dec 11, 2021
Instrument	2022R-000493
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 MATTS WAY, DEFIANCE, MO 63341-2524

Mortgage

Document Number	0000000494
Date	Jan 4, 2022
Instrument	2022R-000494

Lender

Name	WEST COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 461 Matts Way was $16,570, up 4.2% 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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$305,470 (-1.86%)	$1,607,739 (-1.86%) Land $150,000 Building $1,457,739
2025	$16,570.00 (+4.22%)	$311,254	$1,638,181 Land $150,000 Building $1,488,181
2024	$15,899.00
2023		$289,786
2022			$1,525,193 Land $130,000 Building $1,395,193

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

Flood

FEMA maps place 461 Matts Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 461 Matts Way is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 23 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: Brightspeed, T-Mobile, Wisper ISP.

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