St. Charles County property record for 1307 Whispering River Ct, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,601 sqft · built 2016 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $241,109 (Oct 2016) |
| Tax Bill | $3,845 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T070300407 |
| Primary APN | T070300407 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,601 sqft Living Area |
| Gross Area | 3,922 sqft |
| 1st Floor Area | 1,601 sqft |
| Basement Area | 1,601 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070300407 |
|---|---|
| Street Address | 1307 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 265 |
| Legal Subdivision | RIVERDALE VLG C #1 |
| Legal Lot Number | 265 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 312001 |
1307 Whispering River Ct is owned and occupied by two individuals who bought it in October 2016.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1307 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2016 · Amount on File |
| Deed Sale | Oct 12, 2016 · Amount on File |
| Deed Document Number | 2016682790 |
| Deed Book / Page | 6630 / 1376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1307 WHISPERING RIVER CT, O FALLON, MO 63366-1536 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1307 WHISPERING RIVER CT, SAINT PAUL, MO 63366-1536 |
| Document Number | 2021R057227 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | 2021R-057227 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 1307 Whispering River Ct was $3,845.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Paul City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $62,618 (-) | $329,571 (-) Land $70,000 Building $259,571 | |
| 2025 | $3,845.00 | $62,618 | $329,571 Land $70,000 Building $259,571 |
| 2023 | $62,080 | ||
| 2022 | $326,735 Land $55,000 Building $271,735 |
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.
FEMA maps place 1307 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 |
|
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 risk around 1307 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.
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 |
| 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.
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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