1309 Whispering River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1309 Whispering River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,912 sqft · built 2016
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$311,838 (Feb 2017)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T070300406`

Property Details

APN / Parcel Number

Primary APN	`T070300406`
Alternative APN	`2-0087-A069-00-0264.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,912 sqft Living Area
Gross Area	4,284 sqft
1st Floor Area	1,812 sqft
Basement Area	1,782 sqft
Finished Basement	1,100 sqft
Unfinished Basement	682 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300406
Street Address	1309 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 264
Legal Subdivision	RIVERDALE VLG C #1
Legal Lot Number	264
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1309 Whispering River Ct is owned and occupied by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1309 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
Sep 27, 2019	Deed of Trust, Mortgage · VA Mortgage DELMAR FINANCIAL CO
Sep 25, 2017	Deed of Trust, Mortgage · VA Mortgage DELMAR FINANCIAL CO
Aug 13, 2020	Deed of Trust, Mortgage · VA Mortgage DELMAR FINANCIAL CO
Feb 21, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2017 · Amount on File
Deed Sale	Feb 21, 2017 · Amount on File
Deed Document Number	2017107110
Deed Book / Page	6701 / 2077
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1309 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071502260
Date	Sep 27, 2019
Book Page	7150/2260
Instrument	20190927000533170

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1309 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068121770
Date	Sep 25, 2017
Book Page	6812/1770
Instrument	20170925000601530

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1309 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073701418
Date	Aug 13, 2020
Book Page	7370/1418
Instrument	20200813000580020

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 21, 2017
Property Address	1309 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0067012077
Book / Page	6701 / 2077
Map Reference	MB 43 PG 152-154
Instrument Date	Feb 16, 2017
Instrument	20170221000107110
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 WHISPERING RIVER CT, O FALLON, MO 63366-1536

Mortgage

Document Number	20170221000107120
Date	Feb 21, 2017
Instrument	20170221000107120

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$72,476	$381,451 Land $70,000 Building $311,451
2023	$72,287
2022		$380,459 Land $55,000 Building $325,459

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 1309 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 1309 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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