1091 Whitegate Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1091 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
Tax Bill	$2,307 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860003058`

Property Details

APN / Parcel Number

Primary APN	`A860003058`
Alternative APN	`2-051B-5796-00-0050.1000000`

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

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	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	A860003058
Street Address	1091 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 50 FKA WHITEGATE MANOR
Legal Subdivision	PINEY CREEK FKA WHITEGATE MANOR
Legal Lot Number	50
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	1091 WHITEGATE CT, O FALLON, MO 63366-1259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 13, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2014
Deed Sale	May 16, 2014
Prior Sale	Oct 20, 2010 · Amount on Record
Deed Document Number	201424759
Deed Book / Page	6187 / 1014
Prior Transfer Date	Sep 29, 2010
Prior Transfer Doc	0000690570
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1091 WHITEGATE CT, O FALLON, MO 63366-1259
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1091 WHITEGATE CT, O FALLON, MO 63366-1259

Mortgage

Document Number	0000067444
Date	Dec 27, 2022
Instrument	2022R-067444

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Sep 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1091 WHITEGATE CT, O FALLON, MO 63366-1259
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073701993
Date	Aug 13, 2020
Book Page	7370/1993
Instrument	20200813000580670

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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		$35,631 (-)	$187,531 (-) Land $50,000 Building $137,531
2025	$2,307.00	$35,631 (+10.39%)	$187,531 (+10.39%) Land $50,000 Building $137,531
2023		$32,278
2022			$169,886 Land $35,000 Building $134,886

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

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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