St. Charles County property record for 1245 Cypress Point Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,636 sqft · built 2001 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $525,000 (Jun 2024) |
| Tax Bill | $5,912 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T002400330 |
| Primary APN | T002400330 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,636 sqft Living Area |
| Gross Area | 4,845 sqft |
| 1st Floor Area | 1,622 sqft |
| Basement Area | 1,580 sqft |
| Finished Basement | 786 sqft |
| Unfinished Basement | 794 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 415 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 12 sqft |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T002400330 |
|---|---|
| Street Address | 1245 CYPRESS POINT DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-5583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TURTLE CREEK #6 LOT 317 |
| Legal Subdivision | TURTLE CREEK #6 |
| Legal Lot Number | 317 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 311712 |
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 | 2 Trust Names on Record |
|---|---|
| Mailing Address | 1245 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Jan 4, 2020 | Deed of Trust, Mortgage GOLDEN OAK LNDG |
| Aug 3, 2017 | Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2024 · Amount on Record |
| Deed Sale | Jun 20, 2024 · Amount on Record |
| Prior Sale | Aug 3, 2017 · Amount on Record |
| Deed Document Number | 202424169 |
| Last Transfer Date | Apr 10, 2025 |
| Transfer Doc | 0000015431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1245 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1245 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Document Number | 2021R060291 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 2021R-060291 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1245 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Document Number | 0072140161 |
| Instrument Date | Jan 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1245 CYPRESS POINT DR O FALLON MO 633665583, O FALLON, MO 63366-5583 |
| Document Number | 0072140161 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 007214/000161 |
| Instrument | 19010 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 9, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 3, 2017 |
| Property Address | 1245 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Document Number | 0067851996 |
| Book / Page | 6785 / 1996 |
| Map Reference | MB 36 PG 28 |
| Instrument Date | Jul 25, 2017 |
| Instrument | 20170803000484710 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1605 PALISADES RD SW, 1605, MOUNT VERNON, IA 52314-9555 |
| Name | Verified Name |
|---|---|
| Address | 1245 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Investor | Possibly a Property Investor |
| Document Number | 20170803000484720 |
|---|---|
| Date | Aug 3, 2017 |
| Instrument | 20170803000484720 |
| Name | FRONTIER FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $92,337 (-) | $485,982 (-) Land $80,002 Building $405,980 | |
| 2025 | $5,912.00 | $92,337 (+10.43%) | $485,982 (+10.43%) Land $80,002 Building $405,980 |
| 2023 | $83,618 | ||
| 2022 | $440,097 Land $65,000 Building $375,097 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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 192 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 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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