1311 Whispering River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1311 Whispering River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,601 sqft · built 2018
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$275,806 (Oct 2018)
Tax Bill	$4,093 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T070300405`

Property Details

APN / Parcel Number

Primary APN	`T070300405`
Alternative APN	`2-0087-A069-00-0263.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,601 sqft Living Area
Gross Area	3,862 sqft
1st Floor Area	1,601 sqft
Basement Area	1,601 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	20,473 sqft (0.47 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	T070300405
Street Address	1311 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 263
Legal Subdivision	RIVERDALE VLG C #1
Legal Lot Number	263
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1311 Whispering River Ct is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1311 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
Mar 30, 2022	Deed of Trust, Mortgage · Conventional Mortgage CAPGROW HOME MORTGAGE LLC
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAPGROW HOME MORTGAGE LLC
Oct 17, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CAPGROW HOME MORTGAGE LLC
Jul 30, 2018	Grant Deed, Construction Loan · Construction Mortgage KASTNER JOHN L 2004 TRUST (IT)
Aug 31, 2017	Warranty Deed, Subdivision Related Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2018 · Amount on File
Deed Sale	Oct 17, 2018 · Amount on File
Deed Document Number	2018592710
Deed Book / Page	6991 / 729
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1311 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1311 WHISPERING RIVER CT, O FALLON, MO 63366-1536

Mortgage

Document Number	0000018241
Date	Mar 30, 2022
Instrument	2022R-018241

Lender

Name	CAPGROW HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1311 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071462107
Date	Sep 23, 2019
Book Page	7146/2107
Instrument	20190923000519180

Lender

Name	CAPGROW HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

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

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 17, 2018
Property Address	1311 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0069910729
Book / Page	6991 / 0729
Map Reference	MB 43 PG 152-154
Instrument Date	Oct 15, 2018
Instrument	20181017000592710
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4139 BAIN CT, BRIDGETON, MO 63044-3403

Mortgage

Document Number	20181017000592720
Date	Oct 17, 2018
Instrument	20181017000592720

Lender

Name	CAPGROW HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

July 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2018
Property Address	1311 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0069550148
Book / Page	006955 / 000148
Instrument Date	Jul 26, 2018
Instrument	428840
Transaction Type	Construction Loan
Record Updated	Aug 23, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
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	69550150
Date	Jul 30, 2018
Book Page	006955/000150
Instrument	428850

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 29, 2019

Mortgage

Document Number	69550176,
Date	Jul 30, 2018
Book Page	006955/000176
Instrument	428870

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 29, 2019

August 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 31, 2017
Property Address	1311 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0068000599
Book / Page	006800 / 000599
Instrument Date	Aug 29, 2017
Instrument	549880
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 24, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
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
Address	520 FLOWERING MAGNOLIA DR O FALLON MO 633667598, O FALLON, MO 63366-7598

Mortgage

Document Number	68000601
Date	Aug 31, 2017
Book Page	006800/000601
Instrument	549890

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1311 Whispering River Ct was $4,093.

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		$66,679 (-)	$350,940 (-) Land $70,000 Building $280,940
2025	$4,093.00	$66,679	$350,940 Land $70,000 Building $280,940
2023		$66,086
2022			$347,822 Land $55,000 Building $292,822

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 1311 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 1311 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.

Nearby Properties on Whispering River Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures