809 Whispering Windsong Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 809 Whispering Windsong Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,938 sqft · built 1992
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Sep 2013)
Tax Bill	$3,167 (2025)
Deeds & Mortgages	Oct 2022 Second Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A922000430`

Property Details

APN / Parcel Number

Primary APN	`A922000430`
Alternative APN	`2-0119-6769-00-0144.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,938 sqft Living Area
Gross Area	2,878 sqft
1st Floor Area	1,239 sqft
Basement Area	1,239 sqft
Finished Basement	699 sqft
Unfinished Basement	540 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A922000430
Street Address	809 WHISPERING WINDSONG DR
City	O FALLON
State	MO
Zip	63366-3161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSONG #3 LOT 144
Legal Subdivision	WINDSONG #3
Legal Lot Number	144
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1003
Census Tract	311734

Owner

809 Whispering Windsong Dr is owned and occupied by an individual who bought it in September 2013.

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 Record	Individual Name on File
Mailing Address	809 WHISPERING WINDSONG DR, O FALLON, MO 63366-3161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
May 12, 2021	Deed of Trust, Mortgage · FHA Mortgage STEARNS LENDING LLC
Mar 12, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2013 · Amount on File
Deed Sale	Sep 4, 2013 · Amount on File
Prior Sale	Apr 3, 2007 · Amount on File
Deed Document Number	2013700700
Deed Book / Page	6087 / 871
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	809 WHISPERING WINDSONG DR, O FALLON, MO 63366-3161
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 WHISPERING WINDSONG DR, O FALLON, MO 63366-3161

Mortgage

Document Number	0000055540
Date	Oct 11, 2022
Instrument	2022R-055540

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Sep 15, 2032

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	809 WHISPERING WINDSONG DR, O FALLON, MO 63366-3161
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 WHISPERING WINDSONG DR, O FALLON, MO 63366-3161

Mortgage

Document Number	2021R041292
Date	May 12, 2021
Instrument	2021R-041292

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	809 WHISPERING WINDSONG DR, O FALLON, MO 63366-3161
Document Number	0072491439
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 WHISPERING WINDSONG DR O FALLON MO 633663161, O FALLON, MO 63366-3161

Mortgage

Document Number	0072491439
Date	Mar 17, 2020
Book Page	007249/001439
Instrument	161370

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 809 Whispering Windsong Dr was $3,167.

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		$49,170 (-)	$258,789 (-) Land $50,000 Building $208,789
2025	$3,167.00	$49,170	$258,789 Land $50,000 Building $208,789
2023		$46,524
2022			$244,865 Land $40,000 Building $204,865

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 809 Whispering Windsong Dr in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1986.

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
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 809 Whispering Windsong 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 98% of the US · lower than 96% 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.

Nearby Properties on Whispering Windsong Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures