St. Charles County property record for 1313 Whispering River Ct, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,728 sqft · built 2016 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,128 (2025) |
| Deeds & Mortgages | Feb 2021 Sale Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T070300404 |
| Primary APN | T070300404 |
|---|---|
| Alternative APN |
|
| 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 |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070300404 |
|---|---|
| Street Address | 1313 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 262 |
| Legal Subdivision | RIVERDALE VLG C #1 |
| Legal Lot Number | 262 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 312001 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1313 WHISPERING RIVER CT, O FALLON, MO 63366-1536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2021 | Beneficiary Deed, Transfer TITLE PARTNERS AGENCY LLC |
| Jan 17, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2021 |
| Deed Sale | Feb 10, 2021 |
| Prior Sale | Jan 17, 2017 · Amount on Record |
| Deed Document Number | 202112417 |
| Prior Transfer Date | Feb 8, 2021 |
| Prior Transfer Doc | 0000012417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 10, 2021 |
| Property Address | 1313 WHISPERING RIVER CT, O FALLON, MO 63366-1536 |
| Document Number | 0000012417 |
| Map Reference | MB 43 PG 152-154 |
| Instrument Date | Feb 8, 2021 |
| Instrument | 2021R-012417 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1313 WHISPERING RIVER CT, SAINT PAUL, MO 63366-1536 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 17, 2017 |
| Property Address | 1313 WHISPERING RIVER CT, O FALLON, MO 63366-1536 |
| Document Number | 0066860116 |
| Book / Page | 6686 / 0116 |
| Map Reference | MB 43 PG 152-154 |
| Instrument Date | Jan 6, 2017 |
| Instrument | 20170117000030960 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 239 FOX HILL RD, 239, SAINT CHARLES, MO 63301-3745 |
| Name | Verified Name |
|---|---|
| Address | 1313 WHISPERING RIVER CT, SAINT PAUL, MO 63366-1536 |
| Document Number | 0066860118 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 6686/0118 |
| Instrument | 20170117000030970 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
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 | $67,250 (-) | $353,945 (-) Land $70,000 Building $283,945 | |
| 2025 | $4,128.00 (+8.29%) | $67,250 (+0.58%) | $353,945 (+0.58%) Land $70,000 Building $283,945 |
| 2023 | $66,861 (+19.02%) | ||
| 2022 | $3,812.00 | $56,177 | $351,902 (+19.02%) Land $55,000 Building $296,902 |
| 2021 | $295,668 |
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.
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.
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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