130 Whispering Dr, Winfield, MO 63389 Property Records

Lincoln County property record for 130 Whispering Dr, Winfield, MO 63389

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,721 sqft · built 2005
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,000 (Feb 2017)
Tax Bill	$3,357 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-02-000-000-002.031`

Property Details

APN / Parcel Number

Primary APN	`14-10-02-000-000-002.031`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,721 sqft Living Area
Basement Area	1,721 sqft
Unfinished Basement	1,721 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Area	433 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	130 WHISPERING DR
City	WINFIELD
State	MO
Zip	63389-2048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 WHISPERING VILLAGE
Legal Range	01E
Legal Township	49N
Legal Section	02
Legal Subdivision	WHISPERING VILLAGE
Legal Lot Number	1
Jurisdiction	LINCOLN MO
Township / Civil Division	SNOW HILL
Census Block Group	1
Census Block	1017
Census Tract	810309

Owner

Source: Lincoln County records, as of September 21, 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	130 WHISPERING DR, WINFIELD, MO 63389-2048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Dec 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK
Feb 21, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST BANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2017 · Amount on Record
Deed Sale	Feb 21, 2017 · Amount on Record
Prior Sale	Jul 9, 2013 · Amount on Record
Deed Document Number	20171435
Deed Book / Page	2408 / 16
Prior Transfer Date	Jan 24, 2017
Prior Transfer Doc	02408/0016
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	130 WHISPERING DR, WINFIELD, MO 63389-2048
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 WHISPERING DR, WINFIELD, MO 63389-2048

Mortgage

Document Number	002478/189
Date	Apr 13, 2022
Book Page	2478/189
Instrument	2022003924

Lender

Name	FIRST BANK
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN MO
Property Address	130 WHISPERING DR, WINFIELD, MO 63389-2048
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02429/0876
Date	Dec 18, 2018
Book Page	2429/0876
Instrument	2018011293

Lender

Name	FIRST BANK
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN MO
Recording Date	Feb 21, 2017
Property Address	130 WHISPERING DR, WINFIELD, MO 63389-2048
Document Number	2408/0016
Book / Page	2408 / 0016
Map Reference	MB13 PG168
Instrument Date	Jan 24, 2017
Instrument	2017001435
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 WHISPERING DR, 130, WINFIELD, MO 63389-2048

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 WHISPERING DR, WINFIELD, MO 63389-2048

Mortgage

Document Number	2017001436
Date	Feb 21, 2017
Instrument	2017001436

Lender

Name	FIRST BANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Lincoln County
Unified School District	Troy R-III School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$54,927 (-) Land $7,030 Building $47,897
2025	$3,357.00 (+7.46%)	$54,927 (+8.95%) Land $7,030 Building $47,897	$289,090 (+8.95%) Land $37,000 Building $252,090
2023	$3,124.00 (+4.55%)	$50,415 Land $6,080 Building $44,335	$265,340 Land $32,000 Building $233,340
2022	$2,988.00

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 5, 2018 · 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 8 (10% premium discount)
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% 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	LINCOLN COUNTY PWSD 1 serves 14,000 people · EPA ID MO6024340
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Fluoride resolved · Jan 2020
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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Systec Wireless Communications Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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