626 Whispering Willows Ct, Ballwin, MO 63021 Property Records

St. Louis County property record for 626 Whispering Willows Ct, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,455 sqft · built 1999
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Apr 1999)
Tax Bill	$6,680 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24S-21-1503`

Property Details

APN / Parcel Number

Primary APN	`24S-21-1503`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,455 sqft Living Area
Gross Area	2,900 sqft
1st Floor Area	1,179 sqft
Basement Area	18 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	77 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	162 sqft
Patio Area	350 sqft
Balcony Area	14 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	626 WHISPERING WILLOWS CT
City	BALLWIN
State	MO
Zip	63021-4485
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-3
Legal Description	WHISPERING WOODS LOT 29
Legal Subdivision	WHISPERING WOODS
Legal Lot Number	29
Jurisdiction	ST LOUIS MO
Township / Civil Division	MERAMEC
Census Block Group	1
Census Block	1011
Census Tract	217944

Owner

Source: St. Louis County records, as of September 29, 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	626 WHISPERING WILLOWS CT, BALLWIN, MO 63021-4485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Apr 14, 2022	Beneficiary Deed, Transfer
Feb 16, 2021	Affidavit, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 1999 · Amount on Record
Deed Sale	Apr 19, 1999 · Amount on Record
Deed Document Number	19991105
Deed Book / Page	2077 / 364
Last Transfer Date	Mar 25, 2022
Transfer Doc	0000000113
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	626 WHISPERING WILLOWS CT, BALLWIN, MO 63021-4485
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 WHISPERING WILLOWS CT, BALLWIN, MO 63021-4485

Mortgage

Document Number	2022042100516
Date	Apr 21, 2022
Instrument	2022042100516

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST LOUIS MO
Recording Date	Apr 14, 2022
Property Address	626 WHISPERING WILLOWS CT, BALLWIN, MO 63021-4485
Document Number	2022041400113
Map Reference	MB 346 PG 408
Instrument Date	Mar 25, 2022
Instrument	2022041400113
Transaction Type	Transfer
Record Updated	Feb 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	626 WHISPERING WILLOWS CT, BALLWIN, MO 63021-4485

February 2021: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ST LOUIS MO
Recording Date	Feb 16, 2021
Property Address	626 WHISPERING WILLOWS CT, BALLWIN, MO 63021-4485
Document Number	0246480157
Book / Page	24648 / 157
Map Reference	MB 53 PG 16
Instrument Date	Feb 5, 2021
Instrument	2021021600016
Transaction Type	Transfer
Record Updated	Feb 6, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 WHISPERING WILLOWS CT, BALLWIN, MO 63021-4485

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Ballwin City
County	St. Louis County
Unified School District	Rockwood R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,610 (-) Land $32,720 Building $64,890	$513,700 (-) Land $172,200 Building $341,500
2025	$6,680.00 (+8.51%)	$97,610 (+10.74%) Land $32,720 Building $64,890	$513,700 (+10.74%) Land $172,200 Building $341,500
2024	$6,156.00 (+0.08%)
2023	$6,151.00 (+12.16%)	$88,140 (+20.21%) Land $21,810 Building $66,330	$463,900 (+20.21%) Land $114,800 Building $349,100
2022	$5,484.00	$73,320 Land $21,810 Building $51,510
2021			$385,900 Land $114,800 Building $271,100

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 10, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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