480 Matts Way, Defiance, MO 63341 Property Records

St. Charles County property record for 480 Matts Way, Defiance, MO 63341

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 3.5 ba · 7,590 sqft · built 1999
Lot Size	8.1 acres (352,836 sqft)
Owner	2 Individual Names on File
Last Sale	$1,075,000 (Apr 2021)
Tax Bill	$10,396 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2022 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`T001200003`

Property Details

APN / Parcel Number

Primary APN	`T001200003`
Alternative APN	`3-0146-8173-00-0018.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	7,590 sqft Gross Area
1st Floor Area	3,435 sqft
Basement Area	3,399 sqft
Finished Basement	2,900 sqft
Unfinished Basement	499 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Stucco
Lot Area	352,836 sqft
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces
Patio Area	1,567 sqft

Location & Zoning

Account Number	T001200003
Street Address	480 MATTS WAY
City	DEFIANCE
State	MO
Zip	63341-2525
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	RIDGECREEK EST RESUB LOTS 17 18 24 & CG LOT 18
Legal Subdivision	RIDGE CREEK EST RESUB 17 18 24&CG
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3006
Census Tract	312204

Owner

480 Matts Way, an agricultural property, is owned by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	480 MATTS WAY, DEFIANCE, MO 63341-2525
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 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Apr 30, 2021	Special Warranty Deed, Transfer · Conventional Mortgage TOGETHER CU
Oct 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	Jul 26, 1999 · Amount on File
Deed Document Number	202138157
Prior Transfer Date	Jul 21, 1999
Prior Transfer Doc	0000062636
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	480 MATTS WAY, DEFIANCE, MO 63341-2525
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 MATTS WAY, DEFIANCE, MO 63341-2525

Mortgage

Document Number	0000000073
Date	Jan 3, 2022
Instrument	2022R-000073

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	480 MATTS WAY, DEFIANCE, MO 63341-2525
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 MATTS WAY, DEFIANCE, MO 63341-2525

Mortgage

Document Number	0000011550
Date	Feb 28, 2022
Instrument	2022R-011550

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 30, 2021
Property Address	480 MATTS WAY, DEFIANCE, MO 63341-2525
Document Number	0000038157
Map Reference	MB 36 PG 358
Instrument Date	Apr 28, 2021
Instrument	2021R-038157
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 MATTS WAY, DEFIANCE, MO 63341-2525

Mortgage

Document Number	0000038158
Date	Apr 30, 2021
Instrument	2021R-038158

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 26, 2018
Property Address	480 MATTS WAY, DEFIANCE, MO 63341-2525
Document Number	0069951499
Book / Page	006995 / 001499
Instrument Date	Oct 5, 2018
Instrument	612560
Transaction Type	Transfer
Record Updated	Nov 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	480 MATTS WAY DEFIANCE MO 633412525, DEFIANCE, MO 63341-2525

Tax Assessment & Valuation

The 2025 property tax bill for 480 Matts Way was $10,396.

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		$195,274 (-)	$1,028,317 (-) Land $91,518 Building $936,799
2025	$10,396.00	$195,274	$1,028,317 Land $91,518 Building $936,799
2023		$164,526
2022			$866,431 Land $91,518 Building $774,913

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

FEMA maps place 480 Matts Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 480 Matts Way 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 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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