207 Cypress Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 207 Cypress Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,392 sqft · built 1978
Lot Size	0.101 acres (4,440 sqft)
Owner	Individual Name on Record
Tax Bill	$3,134 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`206110A000`

Property Details

APN / Parcel Number

Primary APN	`206110A000`
Alternative APN	`2-050A-5008-00-0031.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,392 sqft
Basement Area	1,312 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	4,440 sqft
Lot Dimensions	120 ft deep x 37 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	206110A000
Old Parcel Number	206110A000
Street Address	207 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 31
Legal Range	03E
Legal Township	47N
Legal Subdivision	FLAIR FOREST #3
Legal Lot Number	31
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4001
Census Tract	311802

Owner

Source: St. Charles County records, as of March 16, 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	207 CYPRESS CT, O FALLON, MO 63366-1631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 2, 2021	Deed of Trust, Mortgage · FHA Mortgage LOAN MODIFICATIONS SOLUTIONS
Jul 27, 2017	Warranty Deed, Transfer · FHA Mortgage

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2025
Deed Sale	Aug 4, 2025
Prior Sale	Jul 27, 2017 · Amount on Record
Deed Document Number	2025R-033410
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	207 CYPRESS CT, O FALLON, MO 63366-1631
Transaction Type	Mortgage
Record Updated	Sep 29, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 CYPRESS CT, O FALLON, MO 63366-1631

Mortgage

Document Number	0000037964
Date	Sep 15, 2023
Instrument	2023R-037964

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	207 CYPRESS CT, O FALLON, MO 63366-1631
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 CYPRESS CT, O FALLON, MO 63366-1631

Mortgage

Document Number	0000097839
Date	Dec 2, 2021
Instrument	2021R-097839

Lender

Name	LOAN MODIFICATIONS SOLUTIONS
Type	Non-Lending Institution
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Aug 1, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 27, 2017
Property Address	207 CYPRESS CT, O FALLON, MO 63366-1631
Document Number	0067811738
Book / Page	6781 / 1738
Map Reference	MB 16 PG 45
Instrument Date	Jul 24, 2017
Instrument	20170727000466240
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2019 SEILER RD, 2019, ALTON, IL 62002-7603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 CYPRESS CT, O FALLON, MO 63366-1631

Mortgage

Document Number	, 20170727000466250
Date	Jul 27, 2017
Instrument	20170727000466250

Lender

Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,134.00	$48,641 (+9.06%)	$256,007 (+9.06%) Land $50,000 Building $206,007
2023		$44,599
2022			$234,729 Land $40,000 Building $194,729

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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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