74 Rustic Lodge Ln, Defiance, MO 63341 Property Records

St. Charles County property record for 74 Rustic Lodge Ln, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,841 sqft · built 2006
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Sep 2022)
Tax Bill	$7,877 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T071200003`

Property Details

APN / Parcel Number

Primary APN	`T071200003`
Alternative APN	`3-0079-S010-00-0001.3000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,841 sqft Living Area
Gross Area	5,761 sqft
1st Floor Area	2,341 sqft
Basement Area	2,341 sqft
Finished Basement	500 sqft
Unfinished Basement	1,841 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	217,800 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	1,079 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	950 sqft

Location & Zoning

Account Number	T071200003
Street Address	74 RUSTIC LODGE LN
City	DEFIANCE
State	MO
Zip	63341-2403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE 1/4 NW 1/4 SEC 10
Legal Range	2
Legal Township	45
Legal Section	01
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3000
Census Tract	312204

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	74 RUSTIC LODGE LN, DEFIANCE, MO 63341-2403
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORPORATION
Sep 6, 2022	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2022 · Amount on Record
Deed Sale	Sep 6, 2022 · Amount on Record
Prior Sale	Jun 5, 2006 · Amount on Record
Deed Document Number	202249184
Prior Transfer Date	Oct 24, 2018
Prior Transfer Doc	0000612550
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 15, 2026
Property Address	74 RUSTIC LODGE LN, DEFIANCE, MO 63341-2403
Document Number	0000017346
Instrument Date	Apr 9, 2026
Instrument	202617346
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	74 RUSTIC LODGE LN, DEFIANCE, MO 63341-2403
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017346,
Date	Apr 15, 2026
Instrument	202617346

Lender

Name	AMERICAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 6, 2022
Property Address	74 RUSTIC LODGE LN, DEFIANCE, MO 63341-2403
Document Number	0000049184
Instrument Date	Aug 24, 2022
Instrument	2022R-049184
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74 RUSTIC LODGE LN, DEFIANCE, MO 63341-2403

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	74 RUSTIC LODGE LN, DEFIANCE, MO 63341-2403
Investor	Possibly a Property Investor

Mortgage

Document Number	0000049185
Date	Sep 6, 2022
Instrument	2022R-049185

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

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		$131,570 (-)	$692,477 (-) Land $114,000 Building $578,477
2025	$7,877.00 (+8.02%)	$131,570 (+11.29%)	$692,477 (+11.29%) Land $114,000 Building $578,477
2024	$7,292.00
2023		$118,219
2022			$622,207 Land $95,000 Building $527,207

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

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
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

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	0.06% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

May also be available: T-Mobile.

Nearby Properties on Rustic Lodge Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures