8 Lost Trails Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 8 Lost Trails Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,978 sqft · built 1986
Lot Size	3.29 acres (143,312 sqft)
Owner	2 Individual Names on Record
Last Sale	$522,571 (Jul 2025)
Tax Bill	$4,813 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jan 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`A860002940`

Property Details

APN / Parcel Number

Primary APN	`A860002940`
Alternative APN	`3-0077-5931-00-0129.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,978 sqft Living Area
Gross Area	5,314 sqft
1st Floor Area	2,978 sqft
Basement Area	1,752 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Multi-Level
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asbestos
Lot Area	143,312 sqft (3.29 acres)
Garage Type	Attached
Garage Area	584 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Deck Area	Deck Area
Patio Area	174 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A860002940
Street Address	8 LOST TRAILS DR
City	DEFIANCE
State	MO
Zip	63341-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #4 LOT 129
Legal Subdivision	CALLAWAY VALLEY #4
Legal Lot Number	129
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

Source: St. Charles County records, as of July 14, 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	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 3, 2018	Deed of Trust, Mortgage MERAMEC VALLEY BANK
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Mar 24, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Nov 30, 2018	Warranty Deed, Transfer · ARM FIRST COMMUNITY CU
Oct 16, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2025 · Amount on Record
Deed Sale	Jul 29, 2025 · Amount on Record
Prior Sale	Nov 30, 2018 · Amount on Record
Deed Document Number	202532343
Last Transfer Date	Jun 29, 2026
Transfer Doc	0000031073
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 2, 2026
Property Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644
Document Number	0000031073
Instrument Date	Jun 29, 2026
Instrument	202631073
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004700
Date	Jan 3, 2018
Book Page	6862/0708
Instrument	20180103000004700

Lender

Name	MERAMEC VALLEY BANK
Type	Bank
Address	BALLWIN, MO 63011

Agreement

Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000366980
Date	Jun 3, 2020
Book Page	7310/1884
Instrument	20200603000366980

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644

Mortgage

Document Number	0000025833
Date	Mar 24, 2021
Instrument	2021R-025833

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Feb 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2018
Property Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644
Document Number	0000671630
Book / Page	7008 / 2172
Map Reference	MB 24 PG 185
Instrument Date	Nov 28, 2018
Instrument	20181130000671630
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2182 CLARKSON PARK COURT, 2182, DEFIANCE, MO 63341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644

Mortgage

Document Number	0000671640
Date	Nov 30, 2018
Instrument	20181130000671640

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Dec 1, 2023
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 16, 2017
Property Address	8 LOST TRAILS DR, DEFIANCE, MO 63341-1644
Document Number	0068230471
Book / Page	006823 / 000471
Instrument Date	Oct 9, 2017
Instrument	646900
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2182 CLARKSON PARK CT CHESTERFIELD MO 630177255, CHESTERFIELD, MO 63017-7255

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$4,813.00	$80,398 (+3.83%)	$423,144 (+3.83%) Land $91,199 Building $331,945
2023		$77,430
2022			$407,520 Land $75,999 Building $331,521

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
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

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 24 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
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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