98 Sunfish Dr, Defiance, MO 63341 Property Records

St. Charles County property record for 98 Sunfish Dr, Defiance, MO 63341

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,141 sqft · built 2019
Lot Size	3.25 acres (141,788 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Feb 2017)
Tax Bill	$6,641 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A883001773`

Property Details

APN / Parcel Number

Primary APN	`A883001773`
Alternative APN	`3-0077-6262-00-0099.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,141 sqft Living Area
Gross Area	5,089 sqft
1st Floor Area	2,107 sqft
Basement Area	2,068 sqft
Finished Basement	1,034 sqft
Unfinished Basement	1,034 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	141,788 sqft
Garage Type	Attached
Garage Area	914 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	47 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A883001773
Street Address	98 SUNFISH DR
City	DEFIANCE
State	MO
Zip	63341-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CALLAWAY VALLEY #6 LOT 99
Legal Subdivision	CALLAWAY VALLEY #6
Legal Lot Number	99
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	4
Census Block	4005
Census Tract	312204

Owner

98 Sunfish Dr is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK
Sep 17, 2018	Deed of Trust, Mortgage · Construction Mortgage GREAT SOUTHERN BANK
Feb 13, 2017	Warranty Deed, Transfer · Line of Credit BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2017 · Amount on File
Deed Sale	Feb 13, 2017 · Amount on File
Prior Sale	Dec 13, 1999 · Amount on File
Deed Document Number	201794890
Deed Book / Page	6699 / 257
Prior Transfer Date	Sep 2, 2015
Prior Transfer Doc	0064300374
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636

Mortgage

Document Number	0000044994
Date	Nov 1, 2023
Instrument	2023R-044994

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	BALLWIN, MO 63011

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636

Mortgage

Document Number	2021R012129
Date	Feb 9, 2021
Instrument	2021R-012129

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072411917
Date	Mar 4, 2020
Book Page	7241/1917
Instrument	20200304000132450

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069771951
Date	Sep 17, 2018
Book Page	6977/1951
Instrument	20180917000531210

Lender

Name	GREAT SOUTHERN BANK
Type	Bank
Address	SPRINGFIELD, MO 65801

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Oct 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.99%
Index	1-Year LIBOR
Max Rate	8.99%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 13, 2017
Property Address	98 SUNFISH DR, DEFIANCE, MO 63341-1636
Document Number	0066990257
Book / Page	006699 / 000257
Instrument Date	Feb 3, 2017
Instrument	94890
Transaction Type	Transfer
Record Updated	Mar 13, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
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	70 TULIP BEND DR WENTZVILLE MO 633853043, WENTZVILLE, MO 63385-3043

Mortgage

Document Number	66990259
Date	Feb 13, 2017
Book Page	006699/000259
Instrument	94900

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 98 Sunfish Dr was $6,641, up 2.6% from the year before.

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		$110,926 (-)	$583,825 (-) Land $64,107 Building $519,718
2025	$6,641.00 (+2.61%)	$110,926	$583,825 Land $64,107 Building $519,718
2024	$6,472.00
2023		$104,932
2022			$552,273 Land $53,423 Building $498,850

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

Flood

FEMA maps place 98 Sunfish Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 98 Sunfish Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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 42 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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