1300 Whispering River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1300 Whispering River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,693 sqft · built 2017
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$218,800 (Aug 2021)
Tax Bill	$4,047 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070300398`

Property Details

APN / Parcel Number

Primary APN	`T070300398`
Alternative APN	`2-0087-A069-00-0256.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,693 sqft Living Area
Gross Area	3,954 sqft
1st Floor Area	1,693 sqft
Basement Area	1,661 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300398
Street Address	1300 WHISPERING RIVER CT
City	O FALLON
State	MO
Zip	63366-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG C #1 LOT 256
Legal Subdivision	RIVERDALE VLG C #1
Legal Lot Number	256
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1300 Whispering River Ct is owned and occupied by an individual who bought it in August 2021.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	1300 WHISPERING RIVER CT, O FALLON, MO 63366-1536
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

Date	Document
Aug 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ENTERPRISE BANK & TRUST
Jul 26, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
May 26, 2017	Grant Deed, Transfer · Construction Mortgage KASTNER JOHN L 2004 TRUST (PT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on File
Deed Sale	Aug 19, 2021 · Amount on File
Prior Sale	Jul 26, 2017 · Amount on File
Deed Document Number	202169781
Prior Transfer Date	Aug 13, 2021
Prior Transfer Doc	2021R069781
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 19, 2021
Property Address	1300 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	2021R069781
Map Reference	MB 43 PG 152-154
Instrument Date	Aug 13, 2021
Instrument	2021R-069781
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 WHISPERING RIVER CT, O FALLON, MO 63366-1536

Mortgage

Document Number	2021R069782
Date	Aug 19, 2021
Instrument	2021R-069782

Lender

Name	ENTERPRISE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 26, 2017
Property Address	1300 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0067802167
Book / Page	6780 / 2167
Map Reference	MB 43 PG 152&154
Instrument Date	Jul 20, 2017
Instrument	20170726000462800
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1300 WHISPERING RIVER CT, O FALLON, MO 63366-1536

Mortgage

Document Number	, 20170726000462810
Date	Jul 26, 2017
Instrument	20170726000462810

Lender

Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 26, 2017
Property Address	1300 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0067491757
Book / Page	006749 / 001757
Instrument Date	May 18, 2017
Instrument	323580
Transaction Type	Transfer
Record Updated	Jun 2, 2017
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
Investor	Possibly a Property Investor

Mortgage

Document Number	67491759
Date	May 26, 2017
Book Page	006749/001759
Instrument	323590

Lender

Name	KASTNER JOHN L 2004 TRUST (PT)
Address	46 BOGEY CLUB CIR, ST CHARLES, MO 63303-3366

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 25, 2018

Mortgage

Document Number	67491772,
Date	May 26, 2017
Book Page	006749/001772
Instrument	323600

Lender

Name	KASTNER JOHN L 2004 TRUST (PT)
Address	46 BOGEY CLUB CIR, ST CHARLES, MO 63303-3366

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 25, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 1300 Whispering River Ct was $4,047, down 2.2% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul 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		$65,936 (-)	$347,031 (-) Land $70,000 Building $277,031
2025	$4,047.00 (-2.15%)	$65,936	$347,031 Land $70,000 Building $277,031
2024	$4,136.00
2023		$65,504
2022			$344,758 Land $55,000 Building $289,758

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 1300 Whispering River Ct in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · 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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 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

Wildfire risk around 1300 Whispering River Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	ST PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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