1105 Cypress Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1105 Cypress Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,780 sqft · built 1973
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on Record
Last Sale	$189,900 (Feb 2020)
Tax Bill	$3,113 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Dec 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`206072A000`

Property Details

APN / Parcel Number

Primary APN	`206072A000`
Alternative APN	`2-050A-5008-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
Gross Area	2,752 sqft
1st Floor Area	1,250 sqft
Basement Area	1,040 sqft
Finished Basement	530 sqft
Unfinished Basement	510 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	502 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	206072A000
Street Address	1105 CYPRESS DR
City	O FALLON
State	MO
Zip	63366-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FLAIR FOREST #3 LOT 12
Legal Subdivision	FLAIR FOREST #3
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4004
Census Tract	311802

Owner

Source: St. Charles County records, as of August 7, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1105 CYPRESS DR, O FALLON, MO 63366-1632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2020	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Dec 29, 2017	Loan Modification, Mortgage FIRST CMNTY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2020 · Amount on Record
Deed Sale	Feb 12, 2020 · Amount on Record
Prior Sale	Jan 7, 2008 · Amount on Record
Deed Document Number	202087350
Deed Book / Page	7230 / 328
Prior Transfer Date	May 30, 2006
Prior Transfer Doc	0044950569
Record Updated	Sep 20, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 12, 2020
Property Address	1105 CYPRESS DR, O FALLON, MO 63366-1632
Document Number	0072300328
Book / Page	7230 / 0328
Map Reference	MB 16 PG 45
Instrument Date	Feb 7, 2020
Instrument	20200212000087350
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	156 CHERRYWOOD PARC DR, 156, O FALLON, MO 63368-7892

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 CYPRESS DR, O FALLON, MO 63366-1632

Mortgage

Document Number	0072300330
Date	Feb 12, 2020
Book Page	7230/0330
Instrument	20200212000087360

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1105 CYPRESS DR, O FALLON, MO 63366-1632
Document Number	0068731201
Book / Page	006873 / 001201
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1105 CYPRESS DR O FALLON MO 633661632, O FALLON, MO 63366-1632

Mortgage

Document Number	0068731201
Date	Jan 31, 2018
Book Page	006873/001201
Instrument	56710

Lender

Name	FIRST CMNTY FCU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 30, 2038

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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		$48,321 (-)	$254,323 (-) Land $50,000 Building $204,323
2025	$3,113.00 (+5.49%)	$48,321 (+8.72%)	$254,323 (+8.72%) Land $50,000 Building $204,323
2024	$2,951.00
2023		$44,446
2022			$233,929 Land $40,000 Building $193,929

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	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	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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