St. Charles County property record for 826 Whispering Rock Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,018 sqft · built 1990 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $123,321 (Apr 2026) |
| Tax Bill | $2,582 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A902000861 |
| Primary APN | A902000861 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,018 sqft Living Area |
| Gross Area | 2,404 sqft |
| 1st Floor Area | 1,018 sqft |
| Basement Area | 1,006 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 25 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A902000861 |
|---|---|
| Street Address | 826 WHISPERING ROCK DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-3138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDSONG #1 LOT 156 |
| Legal Subdivision | WINDSONG #1 |
| Legal Lot Number | 156 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 311734 |
826 Whispering Rock Dr is owned and occupied by an individual who bought it in April 2026.
Source: St. Charles County records, as of May 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 826 WHISPERING ROCK DR, O FALLON, MO 63366-3138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2026 · Amount on File |
| Deed Sale | Apr 28, 2026 · Amount on File |
| Deed Document Number | 202619683 |
| Prior Transfer Date | Apr 23, 2026 |
| Prior Transfer Doc | 0000019683 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 28, 2026 |
| Property Address | 826 WHISPERING ROCK DR, O FALLON, MO 63366-3138 |
| Document Number | 0000019683 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 2026.19683 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | VYLLA TITLE LLC, VYLLA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 826 WHISPERING ROCK DR, O FALLON, MO 63366-3138 |
| Investor | Possibly a Property Investor |
| Document Number | 0000019684, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 2026..19684 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 826 Whispering Rock Dr was $2,582, up 2.7% from the year before.
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,582.00 (+2.7%) | $39,968 | $210,357 Land $55,000 Building $155,357 |
| 2024 | $2,514.00 | ||
| 2023 | $37,773 | ||
| 2022 | $198,806 Land $44,000 Building $154,806 |
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.
FEMA maps place 826 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 |
|
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 risk around 826 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 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.
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 |
| 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.
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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