1118 Cypress Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1118 Cypress Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,260 sqft · built 1974
Lot Size	0.212 acres (9,225 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,111 (Oct 2021)
Tax Bill	$3,004 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206056A000`

Property Details

APN / Parcel Number

Primary APN	`206056A000`
Alternative APN	`2-050A-5008-00-0004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,720 sqft
1st Floor Area	1,260 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,225 sqft (0.212 acres)
Lot Dimensions	123 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	322 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	206056A000
Street Address	1118 CYPRESS DR
City	O FALLON
State	MO
Zip	63366-1633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FLAIR FOREST #3 LOT 4
Legal Subdivision	FLAIR FOREST #3
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4009
Census Tract	311802

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	1118 CYPRESS DR, O FALLON, MO 63366-1633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2021	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
May 2, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO
Sep 4, 2019	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Prior Sale	Sep 4, 2019 · Amount on Record
Deed Document Number	202185161
Prior Transfer Date	Jan 7, 2010
Prior Transfer Doc	0053260455
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2021
Property Address	1118 CYPRESS DR, O FALLON, MO 63366-1633
Document Number	2021R085161
Map Reference	MB 16 PG 45
Instrument Date	Sep 30, 2021
Instrument	2021R-085161
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1118 CYPRESS DR, O FALLON, MO 63366-1633

Mortgage

Document Number	2021R085162
Date	Oct 14, 2021
Instrument	2021R-085162

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1118 CYPRESS DR, O FALLON, MO 63366-1633
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067362125
Date	May 2, 2017
Book Page	6736/2125
Instrument	20170502000264560

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 30, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 4, 2019
Property Address	1118 CYPRESS DR, O FALLON, MO 63366-1633
Document Number	0071352090
Book / Page	7135 / 2090
Map Reference	MB 16 PG 45
Instrument Date	Aug 29, 2019
Instrument	20190904000475400
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 CYPRESS DR, O FALLON, MO 63366-1633

Mortgage

Document Number	20190904000475410
Date	Sep 4, 2019
Instrument	20190904000475410

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

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		$46,606 (-)	$245,293 (-) Land $50,000 Building $195,293
2025	$3,004.00 (+5.74%)	$46,606 (+8.96%)	$245,293 (+8.96%) Land $50,000 Building $195,293
2024	$2,841.00
2023		$42,773
2022			$225,120 Land $40,000 Building $185,120

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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