9 Karmel Ct, Defiance, MO 63341 Property Records

St. Charles County property record for 9 Karmel Ct, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,914 sqft · built 1975
Lot Size	2.73 acres (119,354 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jun 2024)
Tax Bill	$3,386 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`597300A002`

Property Details

APN / Parcel Number

Primary APN	`597300A002`
Alternative APN	`3-0055-S033-00-0009.6300000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,914 sqft Living Area
Gross Area	3,146 sqft
1st Floor Area	1,298 sqft
Basement Area	1,232 sqft
Finished Basement	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	119,354 sqft
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	76 sqft
Deck Area	Deck Area
Patio Area	520 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	597300A002
Street Address	9 KARMEL CT
City	DEFIANCE
State	MO
Zip	63341-1510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	PT SW 1/4 NE 1/4
Legal Range	2
Legal Township	46
Legal Section	03
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2039
Census Tract	312206

Owner

9 Karmel Ct is owned and occupied by two individuals who bought it in June 2024.

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	9 KARMEL CT, DEFIANCE, MO 63341-1510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Sep 25, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Dec 18, 2017	Warranty Deed, Transfer BANK OF OLD MONROE
Dec 1, 2016	Loan Modification, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2024 · Amount on File
Deed Sale	Jun 12, 2024 · Amount on File
Prior Sale	Dec 18, 2017 · Amount on File
Deed Document Number	202422996
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	9 KARMEL CT, DEFIANCE, MO 63341-1510
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 KARMEL CT, DEFIANCE, MO 63341-1510

Mortgage

Document Number	0000008510
Date	Feb 24, 2026
Instrument	2026R-008510

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	9 KARMEL CT, DEFIANCE, MO 63341-1510
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 KARMEL CT, DEFIANCE, MO 63341-1510

Mortgage

Document Number	0000042345
Date	Sep 25, 2025
Instrument	2025R-042345

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Aug 30, 2035

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 18, 2017
Property Address	9 KARMEL CT, DEFIANCE, MO 63341-1510
Document Number	0068540237
Book / Page	006854 / 000237
Instrument Date	Dec 13, 2017
Instrument	777600
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 KARMEL CT DEFIANCE MO 633411510, DEFIANCE, MO 63341-1510

Mortgage

Document Number	68540240
Date	Dec 18, 2017
Book Page	006854/000240
Instrument	777610

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 17, 2032

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	9 KARMEL CT, DEFIANCE, MO 63341-1510
Document Number	0068701916
Book / Page	006870 / 001916
Instrument Date	Dec 1, 2016
Transaction Type	Mortgage
Record Updated	Jan 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 KARMEL CT DEFIANCE MO 633411510, DEFIANCE, MO 63341-1510

Mortgage

Document Number	0068701916
Date	Jan 24, 2018
Book Page	006870/001916
Instrument	43670

Lender

Name	BRANCH BK&TR
Type	Bank
Address	CHARLOTTE, NC 28258-0302

Agreement

Amount	Amount on Record
Term	336 Months
Due	Jan 23, 2046

Interest

Rate Type	Fixed Rate
Rate	3.75%

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		$56,568 (-)	$297,725 (-) Land $76,720 Building $221,005
2025	$3,386.00	$56,568 (+0.2%)	$297,725 (+0.2%) Land $76,720 Building $221,005
2023		$56,453
2022			$297,129 Land $65,760 Building $231,369

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 9 Karmel Ct 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 9 Karmel Ct is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 67% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum, Wisper ISP.

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