1747 Whispering Oaks Dr, Saint Clair, MO 63077 Property Records

Franklin County property record for 1747 Whispering Oaks Dr, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,538 sqft · built 2005
Lot Size	7 acres (304,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,200 (May 2020)
Tax Bill	$2,286 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-3-06.0-0-000-049.510`

Property Details

APN / Parcel Number

Primary APN	`30-3-06.0-0-000-049.510`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,538 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	304,920 sqft (7 acres)

Location & Zoning

Street Address	1747 WHISPERING OAKS DR
City	SAINT CLAIR
State	MO
Zip	63077-3441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Description	PT SE SE
Legal Range	1E
Legal Township	41N
Legal Section	06
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1001
Census Tract	800901

Owner

Source: Franklin County records, as of November 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1120 PINE DR, BELLEVILLE, IL 62220-3131
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Mar 12, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 21, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Apr 8, 2016 · Amount on Record
Deed Document Number	20207447
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1747 WHISPERING OAKS DR, SAINT CLAIR, MO 63077-3441
Transaction Type	Mortgage
Record Updated	Apr 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002302915
Date	Mar 14, 2023
Instrument	2302915

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 28, 2033

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	1747 WHISPERING OAKS DR, SAINT CLAIR, MO 63077-3441
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002104686
Date	Mar 12, 2021
Instrument	2104686

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	May 21, 2020
Property Address	1747 WHISPERING OAKS DR, SAINT CLAIR, MO 63077-3441
Document Number	0000007447
Instrument Date	May 20, 2020
Instrument	7447
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

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	1747 WHISPERING OAKS DR ST CLAIR MO 630773441, ST CLAIR, MO 63077-3441

Mortgage

Document Number	7448
Date	May 21, 2020
Instrument	7448

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Unified School District	St. Clair R-XIII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,286.00 (+5.44%)	$47,882 (+22.42%)	$255,510 (+22.46%) Land $40,250 Building $215,260
2023	$2,168.00 (-13.87%)	$39,112	$208,650 Land $33,600 Building $175,050
2022	$2,517.00

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 June 4, 2020 · 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
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	78 (1979–2024)
Claims Outside the SFHA	7 of 78
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds And Flooding, May 2017 · 14 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 11 claims Severe Storms And Flooding, Mar 2008 · 12 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 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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