1127 Whispering Pines Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1127 Whispering Pines Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,287 sqft · built 1995
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Jul 2023)
Tax Bill	$4,368 (2025)
Deeds & Mortgages	May 2026 Transfer Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A964000085`

Property Details

APN / Parcel Number

Primary APN	`A964000085`
Alternative APN	`4-0034-7286-00-0009.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,287 sqft Living Area
Gross Area	4,312 sqft
1st Floor Area	1,694 sqft
Basement Area	1,658 sqft
Finished Basement	593 sqft
Unfinished Basement	1,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	114 sqft
Deck Area	Deck Area
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A964000085
Street Address	1127 WHISPERING PINES DR
City	O FALLON
State	MO
Zip	63368-6761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING PINES #1 LOT 9
Legal Subdivision	WHISPERING PINES
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3015
Census Tract	311904

Owner

1127 Whispering Pines Dr is owned and occupied by two individuals who bought it in July 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1127 WHISPERING PINES DR, O FALLON, MO 63368-6761
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
May 12, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jul 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Mar 6, 2023	Warranty Deed, Transfer TITLE PARTNERS AGENCY LLC
Mar 6, 2023	Affidavit of Death of Joint Tenant, Transfer TITLE PARTNERS AGENCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2023 · Amount on File
Deed Sale	Jul 17, 2023 · Amount on File
Prior Sale	Mar 6, 2023 · Amount on File
Deed Document Number	202328253
Prior Transfer Date	Mar 3, 2023
Prior Transfer Doc	0000008215
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 12, 2026
Property Address	1127 WHISPERING PINES DR, O FALLON, MO 63368-6761
Document Number	0000022199
Instrument Date	May 6, 2026
Instrument	202622199
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 WHISPERING PINES DR, O FALLON, MO 63368-6761

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 17, 2023
Property Address	1127 WHISPERING PINES DR, DARDENNE PRAIRIE, MO 63368-6761
Document Number	0000028253
Map Reference	MB 32 PG 262
Instrument Date	Jul 12, 2023
Instrument	2023R-028253
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 SHETLAND DR, DARDENNE PRAIRIE, MO 63368-7213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1127 WHISPERING PINES DR, O FALLON, MO 63368-6761

Mortgage

Document Number	0000028254
Date	Jul 17, 2023
Instrument	2023R-028254

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Aug 1, 2028
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year T-Bill
Margin	2
Max Rate	11.5%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 6, 2023
Property Address	1127 WHISPERING PINES DR, DARDENNE PRAIRIE, MO 63368-6761
Document Number	0000008216
Map Reference	MB 32 PG 262
Instrument Date	Mar 3, 2023
Instrument	2023R-008216
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86 NUMBER SEVEN GREEN DR, SAINT CHARLES, MO 63303-5091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 SHETLAND DR, O FALLON, MO 63368-7213

March 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Mar 6, 2023
Property Address	1127 WHISPERING PINES DR, DARDENNE PRAIRIE, MO 63368-6761
Document Number	0000008215
Map Reference	MB 32 PG 262
Instrument Date	Mar 3, 2023
Instrument	2023R-008215
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 1127 Whispering Pines Dr was $4,368.

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Dardenne Prairie City
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,477 (-)	$365,668 (-) Land $65,000 Building $300,668
2025	$4,368.00	$69,477	$365,668 Land $65,000 Building $300,668
2023		$59,774 (+23.04%)
2022	$3,375.00	$48,581	$314,601 (+23.04%) Land $55,000 Building $259,601
2021			$255,690

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 1127 Whispering Pines Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 1127 Whispering Pines Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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 207 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

Nearby Properties on Whispering Pines Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures