850 Lake Haven Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 850 Lake Haven Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,788 sqft · built 1996
Lot Size	4.03 acres (175,547 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,471 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T041200001`

Property Details

APN / Parcel Number

Primary APN	`T041200001`
Alternative APN	`3-0079-9179-00-0045.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,788 sqft Living Area
Gross Area	6,773 sqft
1st Floor Area	2,644 sqft
Basement Area	3,269 sqft
Finished Basement	144 sqft
Unfinished Basement	3,125 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	175,547 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	860 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	45 sqft

Location & Zoning

Account Number	T041200001
Street Address	850 LAKE HAVEN DR
City	DEFIANCE
State	MO
Zip	63341-1814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST LAKE ESTS #1 BDRY ADJ LOT 45
Legal Subdivision	FOREST LAKE EST #1 BDRY ADJ LTS 45 & 46
Legal Lot Number	45
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	850 LAKE HAVEN DR, DEFIANCE, MO 63341-1814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage ESSEX RESIDENTIAL MORTGAGE LLC
Aug 12, 2020	Deed of Trust, Mortgage ESSEX RESIDENTIAL MORTGAGE LLC ESSEX RESIDENTIAL MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	850 LAKE HAVEN DR, DEFIANCE, MO 63341-1814
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 LAKE HAVEN DR, DEFIANCE, MO 63341-1814

Mortgage

Document Number	2021R051897
Date	Jun 18, 2021
Instrument	2021R-051897

Lender

Name	ESSEX RESIDENTIAL MORTGAGE LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63127

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	850 LAKE HAVEN DR, DEFIANCE, MO 63341-1814
Document Number	0073750671
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	850 LAKE HAVEN DR DEFIANCE MO 633411814, DEFIANCE, MO 63341-1814

Mortgage

Document Number	0073750671
Date	Aug 19, 2020
Book Page	007375/000671
Instrument	597210

Lender

Name	ESSEX RESIDENTIAL MORTGAGE LLC ESSEX RESIDENTIAL MORTGAGE LLC
Type	Bank
Address	SAINT LOUIS, MO 63127

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

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		$141,486 (-)	$744,666 (-) Land $135,408 Building $609,258
2025	$8,471.00	$141,486 (+9.53%)	$744,666 (+9.53%) Land $135,408 Building $609,258
2023		$129,180
2022			$679,902 Land $112,840 Building $567,062

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

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.

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