1095 Whitegate Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1095 Whitegate Ct, O Fallon, MO 63366

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,057 sqft · built 1985
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (Mar 2015)
Tax Bill	$2,282 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860000071`

Property Details

APN / Parcel Number

Primary APN	`A860000071`
Alternative APN	`2-051B-5796-00-0050.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,057 sqft Living Area
Gross Area	2,534 sqft
1st Floor Area	1,057 sqft
Basement Area	1,057 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	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	A860000071
Street Address	1095 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

1095 Whitegate Ct, a duplex, is owned and occupied by an individual who acquired it in April 2024.

Source: St. Charles County records, as of August 7, 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	Individual Name on File
Mailing Address	1095 WHITEGATE CT, O FALLON, MO 63366-1259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Apr 25, 2024	Beneficiary Deed, Transfer
Jun 15, 2020	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2015 · Amount on File
Deed Sale	Mar 3, 2015 · Amount on File
Prior Sale	Jul 14, 2014
Deed Document Number	2015121310
Deed Book / Page	6314 / 930
Last Transfer Date	Apr 18, 2024
Transfer Doc	0000015671
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1095 WHITEGATE CT, O FALLON, MO 63366-1259
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000095424
Date	Nov 22, 2021
Instrument	2021R-095424

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

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

April 2024: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 25, 2024
Property Address	1095 WHITEGATE CT, O FALLON, MO 63366-1259
Document Number	0000015671
Map Reference	MB 24 PG 57
Instrument Date	Apr 18, 2024
Instrument	2024R-015671
Transaction Type	Transfer
Record Updated	May 9, 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
Relationship	Revocable Living Trust
Address	1095 WHITEGATE CT, O FALLON, MO 63366-1259

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1095 WHITEGATE CT, O FALLON, MO 63366-1259
Document Number	0073260727
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1095 WHITEGATE CT O FALLON MO 633661259, O FALLON, MO 63366-1259

Mortgage

Document Number	0073260727
Date	Jun 22, 2020
Book Page	007326/000727
Instrument	424540

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1095 Whitegate Ct was $2,282, up 4.7% 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
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		$35,249 (-)	$185,521 (-) Land $40,295 Building $145,226
2025	$2,282.00 (+4.68%)	$35,249	$185,521 Land $40,295 Building $145,226
2024	$2,180.00
2023		$32,687
2022			$172,035 Land $28,206 Building $143,829

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 1095 Whitegate Ct in Zone X, an area of minimal flood risk.

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

The area around 1095 Whitegate Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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