725 Whispering Forest Dr, Ballwin, MO 63021 Property Records

St. Louis County property record for 725 Whispering Forest Dr, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,597 sqft · built 1999
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$877,800 (May 2026)
Tax Bill	$6,479 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Aug 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24S-21-1563`

Property Details

APN / Parcel Number

Primary APN	`24S-21-1563`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,597 sqft Living Area
Gross Area	3,064 sqft
1st Floor Area	1,197 sqft
Family Room	Family Room
Game Room	Game Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	60 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	467 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	162 sqft
Patio Area	434 sqft
Balcony Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	725 WHISPERING FOREST DR
City	BALLWIN
State	MO
Zip	63021-4481
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-3
Legal Description	WHISPERING WOODS LOT 35
Legal Subdivision	WHISPERING WOODS
Legal Lot Number	35
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 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	725 WHISPERING FOREST DR, BALLWIN, MO 63021-4481
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Aug 28, 2020	Intrafamily Transfer, Transfer
Jul 3, 2020	Deed of Trust, Mortgage NEWREZ LLC
Jul 3, 2019	Deed of Trust, Mortgage · FHA Mortgage DITECH FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Oct 11, 2002 · Amount on Record
Deed Document Number	2026430
Prior Transfer Date	Mar 19, 2026
Prior Transfer Doc	0000000405
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	May 13, 2026
Property Address	725 WHISPERING FOREST DR, BALLWIN, MO 63021-4481
Document Number	0000000430
Instrument Date	May 13, 2026
Instrument	2026.430
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 WHISPERING FOREST DR, BALLWIN, MO 63021-4481

Mortgage

Document Number	0000000431,
Date	May 13, 2026
Instrument	2026.5.13.431

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MO
Recording Date	Aug 28, 2020
Property Address	725 WHISPERING FOREST DR, BALLWIN, MO 63021-4481
Document Number	0241510051
Book / Page	24151 / 51
Map Reference	MB 346 PG 408
Instrument Date	Aug 24, 2020
Instrument	2020082800374
Transaction Type	Transfer
Record Updated	Dec 13, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	725 WHISPERING FOREST DR, BALLWIN, MO 63021-4481

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	725 WHISPERING FOREST DR, BALLWIN, MO 63021-4481
Document Number	0241942679
Instrument Date	Jul 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	725 WHISPERING FOREST DR BALLWIN MO 630214481, BALLWIN, MO 63021-4481

Mortgage

Document Number	0241942679
Date	Aug 10, 2020
Book Page	024194/002679
Instrument	1413

Lender

Name	NEWREZ LLC
Address	KANSAS CITY, MO 64116

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	725 WHISPERING FOREST DR, BALLWIN, MO 63021-4481
Document Number	0236080795
Instrument Date	Jul 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	725 WHISPERING FOREST DR BALLWIN MO 630214481, BALLWIN, MO 63021-4481

Mortgage

Document Number	0236080795
Date	Jul 12, 2019
Book Page	023608/000795
Instrument	177

Lender

Name	DITECH FIN'L
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

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		$94,660 (-) Land $27,870 Building $66,790	$498,200 (-) Land $146,700 Building $351,500
2025	$6,479.00 (+9.59%)	$94,660 (+11.86%) Land $27,870 Building $66,790	$498,200 (+11.85%) Land $146,700 Building $351,500
2024	$5,912.00 (+0.08%)
2023	$5,907.00 (+12.02%)	$84,620 (+20.05%) Land $18,580 Building $66,040	$445,400 (+20.05%) Land $97,800 Building $347,600
2022	$5,273.00	$70,490 Land $18,580 Building $51,910
2021			$371,000 Land $97,800 Building $273,200

Assessed value is set for property tax purposes, not a market price estimate; it is 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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