St. Charles County property record for 1275 Cypress Point Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,135 sqft · built 1999 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $286,500 (Aug 2015) |
| Tax Bill | $5,814 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage Feb 2019 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T002400335 |
| Primary APN | T002400335 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,135 sqft Living Area |
| Gross Area | 5,167 sqft |
| 1st Floor Area | 2,001 sqft |
| Basement Area | 1,508 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 524 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 100 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T002400335 |
|---|---|
| Street Address | 1275 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 322 |
| Legal Subdivision | TURTLE CREEK #6 |
| Legal Lot Number | 322 |
| 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 August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Feb 5, 2019 | Deed of Trust, Mortgage · ARM GREAT SOUTHERN BANK |
| Nov 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK |
| Aug 21, 2018 | Deed of Trust, Mortgage · Line of Credit GREAT SOUTHERN BANK |
| Feb 5, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREAT SOUTHERN BANK |
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK |
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GREAT SOUTHERN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 5, 2015 · Amount on Record |
| Deed Sale | Aug 5, 2015 · Amount on Record |
| Prior Sale | Sep 10, 2013 · Amount on Record |
| Deed Document Number | 2015518760 |
| Deed Book / Page | 6400 / 1613 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Document Number | 0000065857 |
|---|---|
| Date | Dec 15, 2022 |
| Instrument | 2022R-065857 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070330201 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 7033/0201 |
| Instrument | 20190205000055670 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2029 |
| Change Frequency | Monthly |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 6.2% |
| Index | 1-Year LIBOR |
| Max Rate | 9.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068390144 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 6839/0144 |
| Instrument | 20171115000712830 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069660166 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 6966/0166 |
| Instrument | 20180821000478600 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65804 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070330223 |
|---|---|
| Date | Feb 5, 2019 |
| Book Page | 7033/0223 |
| Instrument | 20190205000055680 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 83 Months |
| Due | Jan 28, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072341908 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 7234/1908 |
| Instrument | 20200221000107050 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 19, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Apr 19, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1275 CYPRESS POINT DR, O FALLON, MO 63366-5583 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072341608 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 7234/1608 |
| Instrument | 20200221000106560 |
| Name | GREAT SOUTHERN BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.19% |
| Type Change Date | Mar 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.19% |
| Index | 1-Year LIBOR |
| Max Rate | 8.19% |
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 | $90,810 (-) | $477,946 (-) Land $80,002 Building $397,944 | |
| 2025 | $5,814.00 | $90,810 (+11.99%) | $477,946 (+11.99%) Land $80,002 Building $397,944 |
| 2023 | $81,089 | ||
| 2022 | $426,785 Land $65,000 Building $361,785 |
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 |
|---|---|
| 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 99.8% of the US · lower than 99.6% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures