1178 Whispering Winds Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 1178 Whispering Winds Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,056 sqft · built 1962
Lot Size	0.196 acres (8,531 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,531 (Jul 2026)
Tax Bill	$1,639 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`018.028.03003007`

Property Details

APN / Parcel Number

Primary APN	`018.028.03003007`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,344 sqft
1st Floor Area	480 sqft
Basement Area	480 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Construction Type	Frame
Lot Area	8,531 sqft (0.196 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	288 sqft

Exterior Amenities

Porch	Open Frame Porch
Porch Area	240 sqft
Patio Area	150 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1178 WHISPERING WINDS DR
City	ARNOLD
State	MO
Zip	63010-3032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CT1
Legal Description	CIRCLE VIEW HILLS LOT 44 & PT 45
Legal Range	6E
Legal Township	43N
Legal Section	28
Legal Subdivision	CIRCLE VIEW HILLS
Legal Block	2
Legal Lot Number	44
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	2
Census Block	2000
Census Tract	700122

Owner

Source: Jefferson County records, as of August 25, 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	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Quit Claim Deed, Transfer · FHA Mortgage NEWREZ LLC
Jul 13, 2023	Warranty Deed, Transfer · FHA Mortgage NEWREZ LLC
Jul 13, 2023	Affidavit of Death of Joint Tenant, Transfer
Feb 22, 2022	Affidavit, Transfer
Feb 22, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Jul 13, 2023 · Amount on Record
Deed Document Number	202619926
Prior Transfer Date	Jul 7, 2023
Prior Transfer Doc	0000016965
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jul 23, 2026
Property Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
Document Number	0000019926
Instrument Date	Jul 17, 2026
Instrument	202619926
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	MORTGAGE CONNECT

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032

Mortgage

Document Number	0000019927,
Date	Jul 23, 2026
Instrument	202619927

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON MO
Recording Date	Jul 13, 2023
Property Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
Document Number	0000016967
Instrument Date	Jun 29, 2023
Instrument	2023R-016967
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 315, SAINT ALBANS, MO 63073-0315

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	178 WHISPERING WINDS DR, ARNOLD, MO 63010

Mortgage

Document Number	0000016968
Date	Jul 13, 2023
Instrument	2023R-016968

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	JEFFERSON MO
Recording Date	Jul 13, 2023
Property Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
Document Number	0000016963
Map Reference	MB 22 PG 25
Instrument Date	Jun 29, 2023
Instrument	2023R-016963
Transaction Type	Transfer
Record Updated	Aug 2, 2023

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	PO BOX 315, SAINT ALBANS, MO 63073-0315

February 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	JEFFERSON MO
Recording Date	Feb 22, 2022
Property Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
Document Number	0000006016
Map Reference	MB 22 PG 25
Instrument Date	Feb 22, 2022
Instrument	2022R-006016
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032

February 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JEFFERSON MO
Recording Date	Feb 22, 2022
Property Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
Document Number	0000006017
Map Reference	MB 22 PG 25
Instrument Date	Feb 16, 2022
Instrument	2022R-006017
Transaction Type	Transfer
Record Updated	Aug 2, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1178 WHISPERING WINDS DR, ARNOLD, MO 63010-3032

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1409 WHEATFIELD LN, SAINT ALBANS, MO 63073-1216

Tax Assessment & Valuation

Source: Jefferson County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Arnold City
County	Jefferson County
Unified School District	Fox C-6 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$24,200 (-) Land $2,900 Building $21,300	$126,900 (-) Land $15,000 Building $111,900
2025	$1,639.00 (+5.06%)	$24,200 (+8.52%) Land $2,900 Building $21,300	$126,900 (-) Land $15,000 Building $111,900
2024	$1,560.00 (+0.65%)		$126,900 (+8.18%) Land $15,000 Building $111,900
2023	$1,550.00 (-2.45%)	$22,300 (-) Land $2,900 Building $19,400	$117,300 (-) Land $15,000 Building $102,300
2022	$1,589.00	$22,300 Land $2,900 Building $19,400
2021			$117,300 Land $15,000 Building $102,300

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 October 2, 2025 · 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	10 (1993–2022)
Most Recent Claim	Aug 2022 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 6 claims

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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	JEFFERSON COUNTY PWSD 1 serves 21,113 people · EPA ID MO6024292
Water Source	Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Last State Inspection	Oct 2023
Lead	7 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	None 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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

Nearby Properties on Whispering Winds Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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