FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI
Transaction
Amount
Amount on Record
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
810 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Investor
Possibly a Property Investor
Mortgage
Document Number
0000028440,
Date
Jun 17, 2026
Instrument
202628440
Lender
Name
CROSSCOUNTRY MORTGAGE
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jul 1, 2056
Interest
Rate Type
Fixed Rate
Rate
6.37%
Initial Type
Fixed Rate
Max Rate
-1%
September 2020: Quit Claim Deed, Transfer
Document Type
Quit Claim Deed
Jurisdiction
ST CHARLES MO
Recording Date
Sep 15, 2020
Property Address
810 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Document Number
0000067967
Instrument Date
Aug 28, 2020
Instrument
67967
Transaction Type
Transfer
Record Updated
Oct 29, 2020
Title Company
CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Transaction
Tax
$0.00
Additional
Quitclaim
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Tenants by the Entirety
Address
810 WHISPERING ROCK DR O FALLON MO 633663138, O FALLON, MO 63366-3138
Mortgage
Document Number
67968
Date
Sep 15, 2020
Instrument
67968
Lender
Name
US BK
Type
Bank
Address
OWENSBORO, KY 42301
Agreement
Amount
Amount on Record
Term
360 Months
Due
Sep 14, 2050
June 2017: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
ST CHARLES MO
Recording Date
Jun 5, 2017
Property Address
810 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Document Number
0067540840
Book / Page
006754 / 000840
Instrument Date
Jun 1, 2017
Instrument
342120
Transaction Type
Transfer
Record Updated
Jul 25, 2017
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$0.00
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
810 WHISPERING ROCK DR O FALLON MO 633663138, O FALLON, MO 63366-3138
Mortgage
Document Number
67540842
Date
Jun 5, 2017
Book Page
006754/000842
Instrument
342130
Lender
Name
QUICKEN LNS
Type
Funding / Finance Company
Address
DETROIT, MI 48226-1906
Agreement
Amount
Amount on Record
Term
360 Months
Due
Jun 4, 2047
March 2017: Trustee's Deed, Foreclosure
Document Type
Trustee's Deed
Jurisdiction
ST CHARLES MO
Recording Date
Mar 13, 2017
Property Address
810 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Document Number
0067110244
Book / Page
006711 / 000244
Instrument Date
Mar 2, 2017
Instrument
150170
Transaction Type
Foreclosure
Record Updated
Mar 23, 2017
Transaction
Amount
Amount on Record
Tax
$0.00
Additional
Notice of Trustee Sale
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
PO BOX 26 COTTLEVILLE MO 633380026, COTTLEVILLE, MO 63338-0026
Tax Assessment & Valuation
The 2025 property tax bill for 810 Whispering Rock Dr was $2,956, up 5.5% 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
$45,840 (-)
$241,261 (-)Land $55,000Building $186,261
2025
$2,956.00 (+5.53%)
$45,840
$241,261Land $55,000Building $186,261
2024
$2,801.00
2023
$42,157
2022
$221,880Land $44,000Building $177,880
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 810 Whispering Rock 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 810 Whispering Rock 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.