89 Sunfish Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 89 Sunfish Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,717 sqft · built 1998
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,344,000 (Apr 2020)
Tax Bill	$6,744 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A883001777`

Property Details

APN / Parcel Number

Primary APN	`A883001777`
Alternative APN	`3-0077-6262-00-0103.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,717 sqft Living Area
Gross Area	6,031 sqft
1st Floor Area	2,717 sqft
Basement Area	2,663 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	45 sqft
Deck Area	Deck Area
Patio Area	210 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A883001777
Street Address	89 SUNFISH DR
City	DEFIANCE
State	MO
Zip	63341-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #6 LOT 103
Legal Subdivision	CALLAWAY VALLEY #6
Legal Lot Number	103
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 August 13, 2025

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	89 SUNFISH DR, DEFIANCE, MO 63341-1646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK OF ST LOUIS
Apr 21, 2020	Warranty Deed, Transfer CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Deed Document Number	2020248860
Deed Book / Page	7275 / 581
Prior Transfer Date	Aug 16, 2005
Prior Transfer Doc	0042720788
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	89 SUNFISH DR, DEFIANCE, MO 63341-1646
Transaction Type	Mortgage
Record Updated	Aug 7, 2023
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 SUNFISH DR, DEFIANCE, MO 63341-1646

Mortgage

Document Number	0000029190
Date	Jul 24, 2023
Instrument	2023R-029190

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2038

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	89 SUNFISH DR, DEFIANCE, MO 63341-1646
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 SUNFISH DR, DEFIANCE, MO 63341-1646

Mortgage

Document Number	2021R016371
Date	Feb 24, 2021
Instrument	2021R-016371

Lender

Name	CENTRAL BANK OF ST LOUIS
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 21, 2020
Property Address	89 SUNFISH DR, DEFIANCE, MO 63341-1646
Document Number	0072750581
Book / Page	007275 / 000581
Instrument Date	Apr 15, 2020
Instrument	248860
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	89 SUNFISH DR DEFIANCE MO 633411646, DEFIANCE, MO 63341-1646

Mortgage

Document Number	72750583
Date	Apr 21, 2020
Book Page	007275/000583
Instrument	248870

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2050

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	$6,744.00 (-2.67%)	$112,643 (+0.28%)	$592,860 (+0.28%) Land $90,000 Building $502,860
2024	$6,929.00
2023		$112,330
2022			$591,207 Land $75,000 Building $516,207

Assessed value is set for property tax purposes, not a market price estimate; it is 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	0.06% 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 10 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

4G LTE (outdoors only), no 5G reported

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