1188 Whispering Winds Dr, Arnold, MO 63010 Property Records

Jefferson County property record for 1188 Whispering Winds Dr, Arnold, MO 63010

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,056 sqft · built 1964
Lot Size	0.238 acres (10,370 sqft)
Owner	Individual Name on File
Last Sale	$82,500 (Jul 2009)
Tax Bill	$1,646 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018.028.03003005`

Property Details

APN / Parcel Number

Primary APN	`018.028.03003005`

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 1964
Effective Year Built	Effective 1964
Architectural Style	Split Level
Construction Type	Frame
Lot Area	10,370 sqft (0.238 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	288 sqft

Exterior Amenities

Pool Area	352 sqft
Porch	Open Frame Porch
Porch Area	150 sqft
Patio Area	207 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1188 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 42
Legal Range	6E
Legal Township	43N
Legal Section	28
Legal Subdivision	CIRCLE VIEW HILLS
Legal Block	2
Legal Lot Number	42
Jurisdiction	JEFFERSON MO
Township / Civil Division	ARNOLD
Census Block Group	2
Census Block	2000
Census Tract	700122

Owner

1188 Whispering Winds Dr is owned and occupied by an individual who bought it in July 2009.

Source: Jefferson County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1188 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2009 · Amount on File
Deed Sale	Jul 28, 2009 · Amount on File
Prior Sale	Apr 28, 2009 · Amount on File
Deed Document Number	200931593
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON MO
Property Address	1188 WHISPERING WINDS DR, ARNOLD, MO 63010-3032
Document Number	0000029570
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1188 WHISPERING WINDS DR ARNOLD MO 630103032, ARNOLD, MO 63010-3032

Mortgage

Document Number	0000029570
Date	Sep 21, 2017
Instrument	29570

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1188 Whispering Winds Dr was $1,646, up 4.6% from the year before.

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		$24,300 (-) Land $2,900 Building $21,400	$127,600 (-) Land $15,000 Building $112,600
2025	$1,646.00 (+4.64%)	$24,300 Land $2,900 Building $21,400	$127,600 (-) Land $15,000 Building $112,600
2024	$1,573.00 (+0.58%)		$127,600 (+8.04%) Land $15,000 Building $112,600
2023	$1,564.00	$22,500 Land $2,900 Building $19,600	$118,100 Land $15,000 Building $103,100

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 1188 Whispering Winds Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1993.

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

The area around 1188 Whispering Winds Dr 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	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.

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