774 Whispering Forest Dr, Ballwin, MO 63021 Property Records

St. Louis County property record for 774 Whispering Forest Dr, Ballwin, MO 63021

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,708 sqft · built 1998
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Nov 2004)
Tax Bill	$6,786 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`24S-21-1442`

Property Details

APN / Parcel Number

Primary APN	`24S-21-1442`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,708 sqft Living Area
Gross Area	3,196 sqft
1st Floor Area	1,244 sqft
Basement Area	68 sqft
Family Room	Family Room
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	148 ft deep x 70 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Frame Porch
Porch Area	162 sqft
Patio Area	422 sqft
Balcony Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	774 WHISPERING FOREST DR
City	BALLWIN
State	MO
Zip	63021-4480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	93R-3
Legal Description	WHISPERING WOODS LOT 15
Legal Subdivision	WHISPERING WOODS
Legal Lot Number	15
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	2 Individual Names on Record
Mailing Address	774 WHISPERING FOREST DR, BALLWIN, MO 63021-4480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Deed of Trust, Mortgage · SBA Mortgage ROYAL BANKS OF MISSOURI
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2004 · Amount on Record
Deed Sale	Nov 10, 2004 · Amount on Record
Prior Sale	Nov 3, 1998 · Amount on Record
Deed Document Number	2004889
Deed Book / Page	16198 / 3001
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	774 WHISPERING FOREST DR, BALLWIN, MO 63021-4480
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 WHISPERING FOREST DR, BALLWIN, MO 63021-4480

Mortgage

Document Number	0248603453
Date	May 13, 2021
Book Page	24860/3453
Instrument	2021051300790

Lender

Name	ROYAL BANKS OF MISSOURI
Type	Bank
Address	SAINT LOUIS, MO 63122

Agreement

Type	SBA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	774 WHISPERING FOREST DR, BALLWIN, MO 63021-4480
Document Number	0227183199
Instrument Date	Sep 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	774 WHISPERING FOREST DR BALLWIN MO 630214480, BALLWIN, MO 63021-4480

Mortgage

Document Number	0227183199
Date	Oct 2, 2017
Book Page	022718/003199
Instrument	578

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

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		$99,160 (-) Land $31,860 Building $67,300	$521,900 (-) Land $167,700 Building $354,200
2025	$6,786.00 (+7.1%)	$99,160 (+9.3%) Land $31,860 Building $67,300	$521,900 (+9.3%) Land $167,700 Building $354,200
2024	$6,336.00 (+0.08%)
2023	$6,331.00 (+10.76%)	$90,720 (+18.71%) Land $21,240 Building $69,480	$477,500 (+18.72%) Land $111,800 Building $365,700
2022	$5,716.00	$76,420 Land $21,240 Building $55,180
2021			$402,200 Land $111,800 Building $290,400

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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