4658 Wilson Rd, Defiance, MO 63341 Property Records

St. Charles County property record for 4658 Wilson Rd, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,356 sqft · built 2024
Lot Size	4.5 acres (196,020 sqft)
Owner	2 Trust Names on File
Last Sale	$268,761 (Oct 2025)
Tax Bill	$1,218 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`596190A000`

Property Details

APN / Parcel Number

Primary APN	`596190A000`
Alternative APN	`3-0055-S033-00-0005.0000000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
1st Floor Area	1,356 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Ranch
Exterior Material	Metal
Roof Type	Gable
Roof Material	Asphalt
Lot Area	196,020 sqft (4.5 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	596190A000
Street Address	4658 WILSON RD
City	DEFIANCE
State	MO
Zip	63341-1410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	PT N 1/2 OF NW 1/4
Legal Range	2
Legal Township	46
Legal Section	03
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2040
Census Tract	312206

Owner

4658 Wilson Rd is owner-occupied and held in a trust since October 2025.

Source: St. Charles County records, as of September 29, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4658 WILSON RD, DEFIANCE, MO 63341-1410
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit MIDWEST BANKCENTRE
Jul 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST BANK CENTRE
Oct 30, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage MIDWEST BANK CENTRE
Dec 1, 2022	Personal Representative Deed, Transfer STATE LOUIS COMPANY TITLE (SLCTC), STL
Dec 1, 2022	Affidavit of Death of Joint Tenant, Transfer STEWART TITLE/CALDWELL, STC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Dec 1, 2022 · Amount on File
Deed Document Number	202548530
Prior Transfer Date	Mar 14, 1997
Prior Transfer Doc	0000014595
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 16, 2026
Property Address	4658 WILSON RD, DEFIANCE, MO 63341-1410
Document Number	0000044178
Instrument Date	Sep 4, 2026
Instrument	202644178
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	4658 WILSON RD, DEFIANCE, MO 63341-1410

Mortgage

Document Number	0000044178,
Date	Sep 16, 2026
Instrument	202644178

Lender

Name	MIDWEST BANKCENTRE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 28, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4658 WILSON RD, DEFIANCE, MO 63341-1410
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1387 NORWOOD HILLS DR, O FALLON, MO 63366-5561

Mortgage

Document Number	0000028380
Date	Jul 18, 2024
Instrument	2024R-028380

Lender

Name	MIDWEST BANK CENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 12, 2025

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 30, 2025
Property Address	4658 WILSON RD, DEFIANCE, MO 63341-1410
Document Number	0000048530
Instrument Date	Oct 15, 2025
Instrument	2025R-048530
Transaction Type	Transfer
Record Updated	Nov 14, 2025
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4658 WILSON RD, DEFIANCE, MO 63341-1410

Mortgage

Document Number	0000048531
Date	Oct 30, 2025
Instrument	2025R-048531

Lender

Name	MIDWEST BANK CENTRE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

December 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2022
Property Address	4658 WILSON RD, DEFIANCE, MO 63341-1410
Document Number	0000063815
Instrument Date	Nov 29, 2022
Instrument	2022R-063815
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 KAMMEIER RD, WENTZVILLE, MO 63385-4603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1387 NORWOOD HILLS DR, O FALLON, MO 63366-5561

December 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2022
Property Address	4658 WILSON RD, DEFIANCE, MO 63341-1410
Document Number	0000063814
Instrument Date	Nov 28, 2022
Instrument	2022R-063814
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	STEWART TITLE/CALDWELL, STC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 KAMMEIER RD, WENTZVILLE, MO 63385-4603

Tax Assessment & Valuation

The 2025 property tax bill for 4658 Wilson Rd was $1,218.

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		$66,169 (+225.17%)	$348,257 (+225.17%) Land $107,100 Building $241,157
2025	$1,218.00	$20,349	$107,100 Land $107,100
2023		$44,772 (+28.64%)
2022	$2,202.00	$34,805	$235,643 (+28.64%) Land $91,800 Building $143,843
2021			$183,184 Land $91,800 Building $91,384

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4658 Wilson Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4658 Wilson Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% 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 31 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

May also be available: Verizon, Wisper ISP.

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