1310 Whispering River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1310 Whispering River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 2017
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Dec 2021)
Tax Bill	$4,099 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T070300400`

Property Details

APN / Parcel Number

Primary APN	`T070300400`
Alternative APN	`2-0087-A069-00-0258.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
Gross Area	4,116 sqft
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300400
Street Address	1310 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 258
Legal Subdivision	RIVERDALE VLG C #1
Legal Lot Number	258
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

Source: St. Charles County records, as of September 10, 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	1310 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2021	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
May 10, 2021	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK
Jun 9, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage VETERANS UNITED HM LNS
Apr 26, 2017	Grant Deed, Construction Loan · Construction Mortgage KASTNER JOHN L 2004 TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	May 10, 2021 · Amount on Record
Deed Document Number	202198183
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 3, 2021
Property Address	1310 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0000098183
Map Reference	MB 43 PG 152-154
Instrument Date	Nov 30, 2021
Instrument	2021R-098183
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1621 WILD GOOSE RUN, 1621, SAINT CHARLES, MO 63303-2505

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 WHISPERING RIVER CT, O FALLON, MO 63366-1536

Mortgage

Document Number	0000098184
Date	Dec 3, 2021
Instrument	2021R-098184

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 10, 2021
Property Address	1310 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	2021R040495
Map Reference	MB 43 PG 152-154
Instrument Date	May 5, 2021
Instrument	2021R-040495
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 RIVER ROCK CT, 1, O FALLON, MO 63366-1793

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 WHISPERING RIVER CT, O FALLON, MO 63366-1536

Mortgage

Document Number	2021R040496
Date	May 10, 2021
Instrument	2021R-040496

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1310 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	0072050325
Date	Dec 26, 2019
Book Page	7205/0325
Instrument	20191226000742200

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

June 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2017
Property Address	1310 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0067570740
Book / Page	006757 / 000740
Instrument Date	Jun 6, 2017
Instrument	355290
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 3, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 DUNLEITH CT O FALLON MO 633661157, O FALLON, MO 63366-1157

Mortgage

Document Number	67570742
Date	Jun 9, 2017
Book Page	006757/000742
Instrument	355300

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2047

April 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 26, 2017
Property Address	1310 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0067331723
Book / Page	006733 / 001723
Instrument Date	Apr 20, 2017
Instrument	251190
Transaction Type	Construction Loan
Record Updated	May 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

Mortgage

Document Number	67331726
Date	Apr 26, 2017
Book Page	006733/001726
Instrument	251200

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 25, 2018

Mortgage

Document Number	67331739,
Date	Apr 26, 2017
Book Page	006733/001739
Instrument	251210

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 25, 2018

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,785 (-)	$351,502 (-) Land $70,000 Building $281,502
2025	$4,099.00 (-2.17%)	$66,785 (+0.62%)	$351,502 (+0.62%) Land $70,000 Building $281,502
2024	$4,190.00
2023		$66,376
2022			$349,349 Land $55,000 Building $294,349

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 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

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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