1024 Cypress Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1024 Cypress Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1965
Lot Size	0.217 acres (9,450 sqft)
Owner	Company Name on Record
Last Sale	$130,000 (Aug 2023)
Tax Bill	$2,142 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`204660A000`

Property Details

APN / Parcel Number

Primary APN	`204660A000`
Alternative APN	`2-050A-4510-00-0022.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,450 sqft (0.217 acres)
Lot Dimensions	105 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	204660A000
Street Address	1024 CYPRESS DR
City	O FALLON
State	MO
Zip	63366-1681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FLAIR FOREST #1 LOT 22
Legal Subdivision	FLAIR FOREST #1
Legal Lot Number	22
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4007
Census Tract	311802

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	856 WATERBURY FALLS DR, 200, O FALLON, MO 63368-2220
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Nov 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Aug 24, 2023	Warranty Deed, Transfer · Commercial Mortgage BDS 44 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2023 · Amount on Record
Deed Sale	Aug 24, 2023 · Amount on Record
Prior Sale	Oct 26, 2001 · Amount on Record
Deed Document Number	202334362
Prior Transfer Date	Oct 9, 2001
Prior Transfer Doc	0026960713
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1024 CYPRESS DR, O FALLON, MO 63366-1681
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2833 PRESTON WOODS TRL, LAKE SAINT LOUIS, MO 63367-6520

Mortgage

Document Number	0000002103
Date	Jan 14, 2026
Instrument	2026R-002103

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Feb 1, 2036
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.7%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.7%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1024 CYPRESS DR, O FALLON, MO 63366-1681
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2833 PRESTON WOODS TRL, LAKE SAINT LOUIS, MO 63367-6520

Mortgage

Document Number	0000047776
Date	Nov 21, 2023
Instrument	2023R-047776

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	13%
Index	SOFR Average 30-Day
Margin	3
Max Rate	13%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 24, 2023
Property Address	1024 CYPRESS DR, O FALLON, MO 63366-1681
Document Number	0000034362
Map Reference	MB 8 PG 5
Instrument Date	Aug 22, 2023
Instrument	2023R-034362
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	325 FALCONS WAY, WRIGHT CITY, MO 63390-6517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 WATERBURY FALLS DR # 20, 20, O FALLON, MO 63368-2218

Mortgage

Document Number	0000034363
Date	Aug 24, 2023
Instrument	2023R-034363

Lender

Name	BDS 44 LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$33,042 (-)	$173,907 (-) Land $50,000 Building $123,907
2025	$2,142.00 (+2.49%)	$33,042 (+5.6%)	$173,907 (+5.6%) Land $50,000 Building $123,907
2024	$2,090.00
2023		$31,290
2022			$164,683 Land $40,000 Building $124,683

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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	Not rated no burnable land within 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 473 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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