1145 Whitegate Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1145 Whitegate Ct, O Fallon, MO 63366

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,884 sqft · built 1986
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$114,000 (Apr 2014)
Tax Bill	$2,426 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A860000066`

Property Details

APN / Parcel Number

Primary APN	`A860000066`
Alternative APN	`2-051B-5796-00-0045.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,884 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	966 sqft
Basement Area	966 sqft
Finished Basement	918 sqft
Unfinished Basement	48 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	12 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000066
Street Address	1145 WHITEGATE CT
City	O FALLON
State	MO
Zip	63366-1257
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PINEY CREEK PT LOT 45 FKA WHITEGATE MANOR
Legal Subdivision	PINEY CREEK FKA WHITEGATE MANOR
Legal Lot Number	45
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 September 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 25, 2026	Beneficiary Deed, Transfer
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2014 · Amount on Record
Deed Sale	Apr 2, 2014 · Amount on Record
Prior Sale	Oct 3, 2012 · Amount on Record
Deed Document Number	2014161430
Deed Book / Page	6170 / 983
Last Transfer Date	Feb 25, 2026
Transfer Doc	0000008770
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257

Mortgage

Document Number	0000016438
Date	Feb 25, 2021
Instrument	2021R-016438

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

February 2026: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 25, 2026
Property Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257
Document Number	0000008770
Map Reference	MB 24 PG 57
Instrument Date	Feb 25, 2026
Instrument	2026R-008770
Transaction Type	Transfer
Record Updated	Mar 11, 2026

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
Relationship	Family Living Trust
Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257

Mortgage

Document Number	2021R016438
Date	Feb 25, 2021
Instrument	2021R-016438

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1145 WHITEGATE CT, O FALLON, MO 63366-1257
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068990237
Date	Apr 2, 2018
Book Page	6899/0237
Instrument	20180402000171990

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 18, 2033

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		$37,507 (-)	$197,409 (-) Land $36,265 Building $161,144
2025	$2,426.00	$37,507 (+4.01%)	$197,409 (+4.01%) Land $36,265 Building $161,144
2023		$36,062
2022			$189,804 Land $25,386 Building $164,418

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	Low lower than 95% of the US · lower than 93% 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	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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