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

St. Charles County property record for 727 Whispering Willow Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,542 sqft · built 1994
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Nov 2021)
Tax Bill	$3,224 (2025)
Deeds & Mortgages	Nov 2021 Transfer Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A932000217`

Property Details

APN / Parcel Number

Primary APN	`A932000217`
Alternative APN	`2-0119-6832-00-0127.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,542 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	1,122 sqft
Basement Area	480 sqft
Finished Basement	420 sqft
Unfinished Basement	60 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A932000217
Street Address	727 WHISPERING WILLOW DR
City	O FALLON
State	MO
Zip	63366-3182
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSONG #4 LOT 127
Legal Subdivision	WINDSONG #4
Legal Lot Number	127
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1003
Census Tract	311734

Owner

727 Whispering Willow Dr is owned and occupied by an individual who bought it in November 2021.

Source: St. Charles County records, as of September 10, 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	Individual Name on File
Mailing Address	727 WHISPERING WILLOW DR, O FALLON, MO 63366-3182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Intrafamily Transfer, Transfer
Nov 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage DAS ACQUISITION
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2021 · Amount on File
Deed Sale	Nov 17, 2021 · Amount on File
Prior Sale	Nov 17, 2021 · Amount on File
Deed Document Number	202194394
Prior Transfer Date	Nov 5, 2021
Prior Transfer Doc	2021R094393
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2021
Property Address	727 WHISPERING WILLOW DR, O FALLON, MO 63366-3182
Document Number	2021R094393
Map Reference	MB 30 PG 395&396
Instrument Date	Nov 5, 2021
Instrument	2021R-094393
Transaction Type	Transfer
Record Updated	Dec 2, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	860 BOCA RATON DR, 860, SAINT PETERS, MO 63376-2660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	727 WHISPERING WILLOW DR, O FALLON, MO 63366-3182

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2021
Property Address	727 WHISPERING WILLOW DR, O FALLON, MO 63366-3182
Document Number	2021R094394
Map Reference	MB 30 PG 395&396
Instrument Date	Nov 5, 2021
Instrument	2021R-094394
Transaction Type	Transfer
Record Updated	Dec 2, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	727 WHISPERING WILLOW DR, O FALLON, MO 63366-3182

Mortgage

Document Number	2021R094395
Date	Nov 17, 2021
Instrument	2021R-094395

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	727 WHISPERING WILLOW DR, O FALLON, MO 63366-3182
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069381168
Date	Jun 25, 2018
Book Page	6938/1168
Instrument	20180625000035184

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 19, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 727 Whispering Willow Dr was $3,224, up 6.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon 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		$50,057 (-)	$263,457 (-) Land $55,000 Building $208,457
2025	$3,224.00 (+6.05%)	$50,057	$263,457 Land $55,000 Building $208,457
2024	$3,040.00
2023		$45,811
2022			$241,111 Land $44,000 Building $197,111

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 727 Whispering Willow Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	19 (1986–2022)
Most Recent Claim	Jul 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

Wildfire risk around 727 Whispering Willow Dr is low, with less than 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 System	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 340 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
AT&T Fixed Wireless	100 / 20

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

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