787 Wilbie Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 787 Wilbie Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,598 sqft · built 2017
Lot Size	0.252 acres (10,981 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,010 (Sep 2026)
Tax Bill	$8,075 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2020 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T171600041`

Property Details

APN / Parcel Number

Primary APN	`T171600041`
Alternative APN	`2-113A-C345-00-007C.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,598 sqft Living Area
Gross Area	5,856 sqft
1st Floor Area	2,598 sqft
Basement Area	2,598 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Brick/Vinyl
Lot Area	10,981 sqft (0.252 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T171600041
Street Address	787 WILBIE CT
City	O FALLON
State	MO
Zip	63368-7746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT MONTRACHET #1 LOT 7C
Legal Subdivision	VLGS AT MONTRACHET #1
Legal Lot Number	7C
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
Census Tract	311154

Owner

Source: St. Charles County records, as of October 13, 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	787 WILBIE CT, O FALLON, MO 63368-7746
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Special Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jun 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
May 2, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	May 2, 2018 · Amount on Record
Deed Document Number	202646197
Prior Transfer Date	Jun 29, 2020
Prior Transfer Doc	0000450220
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2026
Property Address	787 WILBIE CT, O FALLON, MO 63368-7746
Document Number	0000046197
Instrument Date	Sep 25, 2026
Instrument	202646197
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	INVESTORS LAND TITLE, INVESTORS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 WILBIE CT, O FALLON, MO 63368-7746

Mortgage

Document Number	0000046198,
Date	Sep 28, 2026
Instrument	202646198

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2020
Property Address	787 WILBIE CT, O FALLON, MO 63368-7746
Document Number	0073330780
Book / Page	007333 / 000780
Instrument Date	Jun 29, 2020
Instrument	450220
Transaction Type	Transfer
Record Updated	Aug 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	787 WILBIE CT O FALLON MO 633687746, O FALLON, MO 63368-7746

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 2, 2018
Property Address	787 WILBIE CT, O FALLON, MO 63368-7746
Document Number	0000241690
Book / Page	6913 / 1479
Map Reference	MB 48 PG 325
Instrument Date	May 2, 2018
Instrument	20180502000241690
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 CHESTERFIELD TOWNE CTR, 218, CHESTERFIELD, MO 63005-1257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	787 WILBIE CT, O FALLON, MO 63368-7746

Mortgage

Document Number	0000241700
Date	May 2, 2018
Instrument	20180502000241700

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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		$126,370 (-)	$665,104 (-) Building $665,104
2025	$8,075.00	$126,370 (+8.42%)	$665,104 (+8.42%)
2023		$116,557
2022			$613,460 Building $613,460

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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 Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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