202 Cypress Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 202 Cypress Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1975
Lot Size	0.158 acres (6,882 sqft)
Owner	2 Individual Names on File
Last Sale	$409,640 (Jun 2026)
Tax Bill	$2,634 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206098A000`

Property Details

APN / Parcel Number

Primary APN	`206098A000`
Alternative APN	`2-050A-5008-00-0025.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	62 ft deep x 111 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	206098A000
Street Address	202 CYPRESS CT
City	O FALLON
State	MO
Zip	63366-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FLAIR FOREST #3 LOT 25
Legal Subdivision	FLAIR FOREST #3
Legal Lot Number	25
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4001
Census Tract	311802

Owner

202 Cypress Ct is owned and occupied by two individuals who bought it in June 2026.

Source: St. Charles County records, as of August 7, 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 File
Mailing Address	202 CYPRESS CT, O FALLON, MO 63366-1631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Dec 2, 2020	Deed of Trust, Mortgage US BK
Aug 9, 2017	Warranty Deed, Transfer · Line of Credit BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Aug 9, 2017 · Amount on File
Deed Document Number	202630603
Prior Transfer Date	Aug 31, 2015
Prior Transfer Doc	0064131597
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2026
Property Address	202 CYPRESS CT, O FALLON, MO 63366-1631
Document Number	0000030603
Instrument Date	Jun 30, 2026
Instrument	202630603
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	INVESTORS LAND TITLE, INVESTORS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CYPRESS CT, O FALLON, MO 63366-1631

Mortgage

Document Number	0000030604,
Date	Jun 30, 2026
Instrument	202630604

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	202 CYPRESS CT, O FALLON, MO 63366-1631
Document Number	0000099278
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CYPRESS CT O FALLON MO 633661631, O FALLON, MO 63366-1631

Mortgage

Document Number	0000099278
Date	Dec 17, 2020
Instrument	99278

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 16, 2035

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 9, 2017
Property Address	202 CYPRESS CT, O FALLON, MO 63366-1631
Document Number	0067890084
Book / Page	006789 / 000084
Instrument Date	Aug 8, 2017
Instrument	499210
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 CYPRESS CT O FALLON MO 633661631, O FALLON, MO 63366-1631

Mortgage

Document Number	67890086
Date	Aug 9, 2017
Book Page	006789/000086
Instrument	499220

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 202 Cypress Ct was $2,634, down 0.5% from the year before.

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		$40,785 (-)	$214,660 (-) Land $50,000 Building $164,660
2025	$2,634.00 (-0.53%)	$40,785	$214,660 Land $50,000 Building $164,660
2024	$2,648.00
2023		$39,817 (+21.02%)
2022	$2,355.00	$32,900	$209,565 (+21.03%) Land $40,000 Building $169,565
2021			$173,158 Land $40,000 Building $133,158

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 202 Cypress Ct in Zone X, an area of minimal flood risk.

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

The area around 202 Cypress Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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