St. Charles County property record for 2609 Cypress Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,674 sqft · built 1966 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Individual Name on File |
| Deeds & Mortgages | Jan 2026 Line of Credit Apr 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 050200A000 |
| Primary APN | 050200A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,674 sqft Living Area |
| Gross Area | 3,360 sqft |
| 1st Floor Area | 1,106 sqft |
| Basement Area | 896 sqft |
| Finished Basement | 672 sqft |
| Unfinished Basement | 224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 120 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 128 sqft |
| Patio Area | 275 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 050200A000 |
|---|---|
| Street Address | 2609 CYPRESS DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-4657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ELMWOOD MANOR #6 LOT 18 |
| Legal Subdivision | ELMWOOD MANOR #6 |
| Legal Lot Number | 18 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 310301 |
2609 Cypress Dr is owned and occupied by an individual who acquired it in April 2024.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2609 CYPRESS DR, SAINT CHARLES, MO 63301-4657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 22, 2026 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Apr 3, 2024 | Beneficiary Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 2, 2024 |
| Transfer Doc | 0000012380 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2609 CYPRESS DR, SAINT CHARLES, MO 63301-4657 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2609 CYPRESS DR, SAINT CHARLES, MO 63301-4657 |
| Document Number | 0000003289 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | 2026R-003289 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 110 Months |
| Due | Mar 14, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 3, 2024 |
| Property Address | 2609 CYPRESS DR, SAINT CHARLES, MO 63301-4657 |
| Document Number | 0000012380 |
| Map Reference | MB 9 PG 30 |
| Instrument Date | Apr 2, 2024 |
| Instrument | 2024R-012380 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4209 FLAD AVE, SAINT LOUIS, MO 63110-3506 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $57,977 | $305,142 Land $50,000 Building $255,142 |
| 2023 | $57,241 | |
| 2022 | $301,267 Land $50,000 Building $251,267 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2609 Cypress Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.
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 7 (15% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1979–1983) |
| Most Recent Claim | May 1983 · tidal / storm surge |
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.
The area around 2609 Cypress Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) 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 506 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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