481 Matts Way, Defiance, MO 63341 Property Records

St. Charles County property record for 481 Matts Way, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,783 sqft · built 2016
Lot Size	4.73 acres (206,039 sqft)
Owner	2 Individual Names on File
Last Sale	$184,625 (Jun 2015)
Tax Bill	$11,210 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A983000134`

Property Details

APN / Parcel Number

Primary APN	`A983000134`
Alternative APN	`3-0146-7713-00-0016.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,783 sqft Living Area
Gross Area	8,309 sqft
1st Floor Area	3,783 sqft
Basement Area	3,751 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	206,039 sqft
Garage Type	Attached
Garage Area	775 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	A983000134
Street Address	481 MATTS WAY
City	DEFIANCE
State	MO
Zip	63341-2524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGECREEK EST LOT 16
Legal Subdivision	RIDGECREEK EST
Legal Lot Number	16
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3006
Census Tract	312204

Owner

481 Matts Way is owned and occupied by two individuals who bought it in June 2015.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	481 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2015 · Amount on File
Deed Sale	Jun 18, 2015 · Amount on File
Prior Sale	Oct 17, 2006 · Amount on File
Deed Document Number	2015390680
Deed Book / Page	6374 / 1314
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	481 MATTS WAY, DEFIANCE, MO 63341-2524
Transaction Type	Mortgage
Record Updated	Jul 16, 2021
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 MATTS WAY, DEFIANCE, MO 63341-2524

Mortgage

Document Number	2021R056297
Date	Jul 2, 2021
Instrument	2021R-056297

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 481 Matts Way was $11,210.

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		$210,564 (-)	$1,108,231 (-) Land $150,000 Building $958,231
2025	$11,210.00	$210,564	$1,108,231 Land $150,000 Building $958,231
2023		$192,466
2022			$1,012,981 Land $130,000 Building $882,981

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

Flood

FEMA maps place 481 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 481 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 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.05% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
Brightspeed DSL	80 / 10
Verizon Fixed Wireless	25 / 6

May also be available: Spectrum.

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