1085 Whitegate Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1085 Whitegate Ct, O Fallon, MO 63366

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,096 sqft · built 1985
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$113,500 (Jan 2003)
Tax Bill	$2,237 (2025)
Deeds & Mortgages	Jan 2024 Sale Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000072`

Property Details

APN / Parcel Number

Primary APN	`A860000072`
Alternative APN	`2-051B-5796-00-0051.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,096 sqft Living Area
Gross Area	2,612 sqft
1st Floor Area	1,096 sqft
Basement Area	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood
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	12 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	A860000072
Street Address	1085 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 51 FKA WHITEGATE MANOR
Legal Subdivision	PINEY CREEK FKA WHITEGATE MANOR
Legal Lot Number	51
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 7, 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	1085 WHITEGATE CT, O FALLON, MO 63366-1259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Beneficiary Deed, Transfer
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2003 · Amount on Record
Deed Sale	Jan 9, 2003 · Amount on Record
Prior Sale	May 1, 1997 · Amount on Record
Deed Document Number	20034579
Deed Book / Page	3196 / 566
Last Transfer Date	Dec 18, 2023
Transfer Doc	0000001024
Record Updated	Oct 29, 2026

January 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 8, 2024
Property Address	1085 WHITEGATE CT, O FALLON, MO 63366-1259
Document Number	0000001024
Map Reference	MB 1019 PG 1870
Instrument Date	Dec 18, 2023
Instrument	2024R-001024
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 WHITEGATE CT, O FALLON, MO 63366-1259

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1085 WHITEGATE CT, O FALLON, MO 63366-1259
Transaction Type	Mortgage
Record Updated	Sep 9, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 WHITEGATE CT, O FALLON, MO 63366-1259

Mortgage

Document Number	2021R072097
Date	Aug 27, 2021
Instrument	2021R-072097

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

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		$34,540 (-)	$181,791 (-) Land $40,295 Building $141,496
2025	$2,237.00	$34,540 (+7.85%)	$181,791 (+7.85%) Land $40,295 Building $141,496
2023		$32,025
2022			$168,552 Land $28,206 Building $140,346

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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