1045 Whitegate Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1045 Whitegate Ct, O Fallon, MO 63366

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 927 sqft · built 1985
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$129,200 (Nov 2019)
Tax Bill	$1,795 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A860000076`

Property Details

APN / Parcel Number

Primary APN	`A860000076`
Alternative APN	`2-051B-5796-00-0055.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	927 sqft Living Area
Gross Area	1,347 sqft
1st Floor Area	927 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000076
Street Address	1045 WHITEGATE CT
City	O FALLON
State	MO
Zip	63366-1259
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PINEY CREEK PT LOT 55 FKA WHITEGATE MANOR
Legal Subdivision	PINEY CREEK FKA WHITEGATE MANOR
Legal Lot Number	55
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1013
Census Tract	311603

Owner

Source: St. Charles County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1045 WHITEGATE CT, O FALLON, MO 63366-1259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Nov 2, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jun 10, 2020	Loan Modification, Mortgage MIDFIRST BK
Apr 5, 2017	Loan Modification, Mortgage · FHA Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2019 · Amount on Record
Deed Sale	Nov 14, 2019 · Amount on Record
Prior Sale	Jul 31, 2000 · Amount on Record
Deed Document Number	2019651160
Deed Book / Page	7181 / 1419
Prior Transfer Date	Apr 24, 1997
Prior Transfer Doc	0000040620
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 29, 2026
Property Address	1045 WHITEGATE CT, O FALLON, MO 63366-1259
Document Number	0000035642
Instrument Date	Jul 14, 2026
Instrument	202635642
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 WHITEGATE CT, O FALLON, MO 63366-1259

Mortgage

Document Number	0000035642,
Date	Jul 29, 2026
Instrument	202635642

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Jul 1, 2050

Interest

Rate	6.47%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1045 WHITEGATE CT, O FALLON, MO 63366-1259
Transaction Type	Mortgage
Record Updated	Nov 16, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 WHITEGATE CT, O FALLON, MO 63366-1259

Mortgage

Document Number	0000045154
Date	Nov 2, 2023
Instrument	2023R-045154

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Jul 1, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1045 WHITEGATE CT, O FALLON, MO 63366-1259
Document Number	0073381382
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 WHITEGATE CT O FALLON MO 633661259, O FALLON, MO 63366-1259

Mortgage

Document Number	0073381382
Date	Jul 7, 2020
Book Page	007338/001382
Instrument	467270

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1045 WHITEGATE CT, O FALLON, MO 63366-1259
Document Number	0067340771
Book / Page	006734 / 000771
Instrument Date	Apr 5, 2017
Transaction Type	Mortgage
Record Updated	May 3, 2017
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 WHITEGATE CT O FALLON MO 633661259, O FALLON, MO 63366-1259

Mortgage

Document Number	0067340771
Date	Apr 27, 2017
Book Page	006734/000771
Instrument	253560

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,586 (-)	$145,189 (-) Land $36,265 Building $108,924
2025	$1,795.00	$27,586 (+9.77%)	$145,189 (+9.77%) Land $36,265 Building $108,924
2023		$25,130
2022			$132,264 Land $25,386 Building $106,878

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within ember reach

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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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