1146 Whitegate Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1146 Whitegate Ct, O Fallon, MO 63366

Property Summary

Property Type	Duplex
Details	2 bd · 3 ba · 1,138 sqft · built 1986
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Aug 2021)
Tax Bill	$2,684 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000062`

Property Details

APN / Parcel Number

Primary APN	`A860000062`
Alternative APN	`2-051B-5796-00-0041.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,138 sqft Total Area
1st Floor Area	1,138 sqft
Basement Area	1,138 sqft
Finished Basement	683 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	236 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A860000062
Old Parcel Number	A860000062
Street Address	1146 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 41 FKA WHITEGATE MANOR
Legal Range	03E
Legal Township	47N
Legal Subdivision	PINEY CREEK FKA WHITEGATE MANOR
Legal Lot Number	41
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 March 16, 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
Co-owner	Co-owner on Record
Mailing Address	1146 WHITEGATE CT, O FALLON, MO 63366-1257
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jan 7, 2020	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Jan 7, 2020
Deed Document Number	0202169762
Deed Book / Page	2021 / 69762
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2021
Property Address	1146 WHITEGATE CT, O FALLON, MO 63366-1257
Document Number	2021R069762
Map Reference	MB 24 PG 57
Instrument Date	Aug 9, 2021
Instrument	2021R-069762
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1146 WHITEGATE CT, O FALLON, MO 63366-1257

Mortgage

Document Number	2021R069763
Date	Aug 19, 2021
Instrument	2021R-069763

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 7, 2020
Property Address	1146 WHITEGATE CT, O FALLON, MO 63366-1257
Document Number	0072112344
Book / Page	007211 / 002344
Instrument Date	Dec 30, 2019
Instrument	10910
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 WHITEGATE CT O FALLON MO 633661257, O FALLON, MO 63366-1257

Mortgage

Document Number	72112347
Date	Jan 7, 2020
Book Page	007211/002347
Instrument	10920

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$2,684.00	$41,561 (+14.89%)	$218,741 (+14.89%) Land $40,295 Building $178,446
2023		$36,174
2022			$190,392 Land $28,206 Building $162,186

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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