830 Whispering Rock Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 830 Whispering Rock Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,134 sqft · built 1990
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$389,025 (Mar 2026)
Tax Bill	$2,829 (2024)
Deeds & Mortgages	Mar 2023 Line of Credit Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A902000862`

Property Details

APN / Parcel Number

Primary APN	`A902000862`
Alternative APN	`2-0119-6582-00-0157.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,134 sqft Living Area
Gross Area	2,758 sqft
1st Floor Area	1,134 sqft
Basement Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A902000862
Street Address	830 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 157
Legal Subdivision	WINDSONG #1
Legal Lot Number	157
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1003
Census Tract	311734

Owner

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	2 Individual Names on File
Mailing Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 13, 2026	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Mar 13, 2026	Affidavit of Death of Joint Tenant, Transfer
Dec 24, 2020	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on File
Deed Sale	Mar 13, 2026 · Amount on File
Prior Sale	Nov 29, 2018
Deed Document Number	202611700
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138

Mortgage

Document Number	0000008556
Date	Mar 8, 2023
Instrument	2023R-008556

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138

Mortgage

Document Number	0000007125
Date	Feb 4, 2022
Instrument	2022R-007125

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 13, 2026
Property Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Document Number	0000011700
Map Reference	MB 29 PG 161
Instrument Date	Mar 12, 2026
Instrument	2026R-011700
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	319 W PINE ST, EAST PRAIRIE, MO 63845-1448

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138

Mortgage

Document Number	0000011701
Date	Mar 13, 2026
Instrument	2026R-011701

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2026: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Mar 13, 2026
Property Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Document Number	0000011699
Map Reference	MB 29 PG 161
Instrument Date	Mar 11, 2026
Instrument	2026R-011699
Transaction Type	Transfer
Record Updated	Mar 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	830 WHISPERING ROCK DR, O FALLON, MO 63366-3138
Document Number	0000004217
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	830 WHISPERING ROCK DR O FALLON MO 633663138, O FALLON, MO 63366-3138

Mortgage

Document Number	0000004217
Date	Jan 14, 2021
Instrument	4217

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2051

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		$47,305 (-)	$248,972 (-) Land $55,000 Building $193,972
2025		$47,305 (+11.09%)	$248,972 (+11.09%) Land $55,000 Building $193,972
2024	$2,829.00 (+7.28%)
2023		$42,583 (+15.38%)
2022	$2,637.00	$36,906	$224,120 (+15.38%) Land $44,000 Building $180,120
2021			$194,242 Land $44,000 Building $150,242

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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

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.

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.

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