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715 Whispering Willow Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 715 Whispering Willow Dr, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,498 sqft · built 1992
Lot Size0.19 acres (8,276 sqft)
OwnerIndividual Name on Record
Last Sale$187,500 (Oct 2018)
Tax Bill$3,301 (2025)
Deeds & MortgagesJul 2021 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNA932000214

Property Details

APN / Parcel Number

Primary APNA932000214
Alternative APN
  • 2-0119-6832-00-0124.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area1,498 sqft Living Area
Gross Area2,228 sqft
1st Floor Area1,148 sqft
Basement Area513 sqft
Finished Basement350 sqft
Unfinished Basement163 sqft

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,276 sqft (0.19 acres)
TerrainRolling
Garage TypeAttached
Garage Area567 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area40 sqft
Deck AreaDeck Area
Patio Area438 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA932000214
Street Address715 WHISPERING WILLOW DR
CityO FALLON
StateMO
Zip63366-3182
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWINDSONG #4 LOT 124
Legal SubdivisionWINDSONG #4
Legal Lot Number124
JurisdictionST CHARLES MO
Township / Civil DivisionDARDENNE
Census Block Group1
Census Block1003
Census Tract311734

Owner

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

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 RecordIndividual Name on Record
Mailing Address715 WHISPERING WILLOW DR, O FALLON, MO 63366-3182
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 23, 2021Deed of Trust, Mortgage · Conventional Mortgage
FIRST HORIZON BANK
Oct 26, 2018Warranty Deed, Transfer
INTEGRITY MTG/MO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 26, 2018 · Amount on Record
Deed SaleOct 26, 2018 · Amount on Record
Prior SaleAug 30, 2011 · Amount on Record
Deed Document Number201861119
Deed Book / Page6995 / 819
Prior Transfer DateAug 22, 2011
Prior Transfer Doc0056292407
Record UpdatedOct 29, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address715 WHISPERING WILLOW DR, O FALLON, MO 63366-3182
Transaction TypeMortgage
Record UpdatedAug 6, 2021
Title CompanyTITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address715 JWHISPERING WILLOW DRIVE, O FALLON, MO 63366

Mortgage

Document Number2021R061873
DateJul 23, 2021
Instrument2021R-061873
Lender
NameFIRST HORIZON BANK
TypeBank
AddressJACKSON, TN 38303
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateOct 26, 2018
Property Address715 WHISPERING WILLOW DR, O FALLON, MO 63366-3182
Document Number0069950819
Book / Page006995 / 000819
Instrument DateOct 24, 2018
Instrument611190
Transaction TypeTransfer
Record UpdatedMar 28, 2019
Title CompanyTITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address715 WHISPERING WILLOW DR O FALLON MO 633663182, O FALLON, MO 63366-3182

Mortgage

Document Number69950821
DateOct 26, 2018
Book Page006995/000821
Instrument611200
Lender
NameINTEGRITY MTG/MO
TypeMortgage Company
AddressST CHARLES, MO 63301
Agreement
AmountAmount Recorded
Term360 Months
DueOct 25, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$51,275 (-)$269,869 (-) Land $55,000 Building $214,869
2025$3,301.00 (+5.94%)$51,275 (+9.15%)$269,869 (+9.15%) Land $55,000 Building $214,869
2024$3,116.00
2023$46,975
2022$247,237 Land $44,000 Building $203,237

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 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims19 (1986–2022)
Most Recent ClaimJul 2022 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Jul 2022 · 6 claims
  • Severe Storms, Flooding, And A Tornado, Sep 2008 · 5 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 RiskLow
lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 340 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Gateway Fiber
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: i3 Broadband, T-Mobile, Verizon, Wisper ISP.

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