7 White River Ln, Defiance, MO 63341 Property Records

St. Charles County property record for 7 White River Ln, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 6,499 sqft · built 2021
Lot Size	5.05 acres (219,978 sqft)
Owner	2 Trust Names on File
Last Sale	$682,760 (Oct 2022)
Tax Bill	$10,131 (2025)
Deeds & Mortgages	Feb 2026 Transfer Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T091300011`

Property Details

APN / Parcel Number

Primary APN	`T091300011`
Alternative APN	`3-0072-A511-00-012J.0000000`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	6,499 sqft Living Area
Gross Area	7,752 sqft
1st Floor Area	4,457 sqft
Basement Area	3,295 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	219,978 sqft (5.05 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T091300011
Street Address	7 WHITE RIVER LN
City	DEFIANCE
State	MO
Zip	63341-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY RESUB LOT 12 LOT 12J
Legal Subdivision	CALLAWAY VALLEY RESUB LOT 12
Legal Lot Number	12J
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

7 White River Ln is owner-occupied and held in a trust since October 2022.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	2 Trust Names on File
Mailing Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living 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
Feb 18, 2026	Intrafamily Transfer, Transfer
Oct 24, 2022	Intrafamily Transfer, Transfer · Line of Credit PEOPLES SAVINGS BANK OF RHINELAND
Feb 24, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES SAVINGS BANK OF RHINELAND
Oct 24, 2022	Affidavit of Death of Joint Tenant, Transfer
Mar 2, 2020	Warranty Deed, Transfer · Line of Credit PEOPLES SAVINGS BANK OF RHINELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2022 · Amount on File
Deed Sale	Oct 24, 2022 · Amount on File
Prior Sale	Mar 2, 2020 · Amount on File
Deed Document Number	202257867
Prior Transfer Date	Oct 21, 2022
Prior Transfer Doc	0000057866
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 18, 2026
Property Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639
Document Number	0000007304
Map Reference	MB 45 PG 177
Instrument Date	Feb 17, 2026
Instrument	2026R-007304
Transaction Type	Transfer
Record Updated	Mar 4, 2026

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	Family Living Trust
Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2022
Property Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639
Document Number	0000057867
Map Reference	MB 45 PG 177
Instrument Date	Oct 20, 2022
Instrument	2022R-057867
Transaction Type	Transfer
Record Updated	Nov 7, 2022

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
Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639

Mortgage

Document Number	0000057868
Date	Oct 24, 2022
Instrument	2022R-057868

Lender

Name	PEOPLES SAVINGS BANK OF RHINELAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6110 FOUNTAIN GRASS DR, LAKE SAINT LOUIS, MO 63367-4133

Mortgage

Document Number	0000016219
Date	Feb 24, 2021
Instrument	2021R-016219

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2022
Property Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639
Document Number	0000057866
Map Reference	MB 45 PG 177
Instrument Date	Nov 29, 2021
Instrument	2022R-057866
Transaction Type	Transfer
Record Updated	Nov 7, 2022

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
Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 2, 2020
Property Address	7 WHITE RIVER LN, DEFIANCE, MO 63341-1639
Document Number	0000127180
Book / Page	7240 / 821
Map Reference	MB 45 PG 177
Instrument Date	Feb 6, 2020
Instrument	20200302000127180
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 NORFORK CT, DEFIANCE, MO 63341-1957

Mortgage

Document Number	0000127190
Date	Mar 2, 2020
Instrument	20200302000127190

Lender

Name	PEOPLES SAVINGS BANK OF RHINELAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7 White River Ln was $10,131.

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		$169,212 (-)	$890,588 (-) Land $84,007 Building $806,581
2025	$10,131.00	$169,212	$890,588 Land $84,007 Building $806,581
2023		$143,690
2022			$756,259 Land $70,006 Building $686,253

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 7 White River Ln 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 7 White River Ln is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.07% 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 45 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

Cell Coverage

5G and 4G LTE (outdoors only)

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