1317 Whispering River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1317 Whispering River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,203 sqft · built 2017
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$272,686 (Apr 2018)
Tax Bill	$4,393 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T070300402`

Property Details

APN / Parcel Number

Primary APN	`T070300402`
Alternative APN	`2-0087-A069-00-0260.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,203 sqft Living Area
Gross Area	4,095 sqft
1st Floor Area	1,440 sqft
Basement Area	1,272 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300402
Street Address	1317 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 260
Legal Subdivision	RIVERDALE VLG C #1
Legal Lot Number	260
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1317 Whispering River Ct is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1317 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 6, 2019	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP
Sep 11, 2020	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN MTG
Apr 3, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Dec 29, 2017	Grant Deed, Transfer · Construction Mortgage KASTNER JOHN L 2004 TRUST (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Prior Sale	Dec 29, 2017 · Amount on File
Deed Document Number	2018178290
Deed Book / Page	6900 / 1099
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1317 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071371792
Date	Sep 6, 2019
Book Page	7137/1792
Instrument	20190906000482520

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1317 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0000076000
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1317 WHISPERING RIVER CT ST PAUL MO 633661536, ST PAUL, MO 63366-1536

Mortgage

Document Number	0000076000
Date	Oct 8, 2020
Instrument	76000

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2050

April 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2018
Property Address	1317 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0069001099
Book / Page	6900 / 1099
Map Reference	MB 43 PG 152
Instrument Date	Mar 29, 2018
Instrument	20180403000178290
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND OR

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
Address	239 FOX HILL RD, 239, SAINT CHARLES, MO 63301-3745

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1317 WHISPERING RIVER CT, SAINT PAUL, MO 63366-1536

Mortgage

Document Number	20180403000178300
Date	Apr 3, 2018
Instrument	20180403000178300

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 29, 2017
Property Address	1317 WHISPERING RIVER CT, O FALLON, MO 63366-1536
Document Number	0068602023
Book / Page	006860 / 002023
Instrument Date	Dec 20, 2017
Instrument	803240
Transaction Type	Transfer
Record Updated	Jan 4, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

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	68602025
Date	Dec 29, 2017
Book Page	006860/002025
Instrument	803250

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 28, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 1317 Whispering River Ct was $4,393.

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		$71,609 (-)	$376,891 (-) Land $70,000 Building $306,891
2025	$4,393.00	$71,609	$376,891 Land $70,000 Building $306,891
2023		$68,427
2022			$360,140 Land $55,000 Building $305,140

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 1317 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 1317 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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