2804 Cypress Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 2804 Cypress Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,422 sqft · built 1969
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jun 2025)
Tax Bill	$3,024 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045250A000`

Property Details

APN / Parcel Number

Primary APN	`045250A000`
Alternative APN	`6-006B-4012-00-0072.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
Gross Area	3,384 sqft
1st Floor Area	1,422 sqft
Basement Area	1,422 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	120 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	045250A000
Street Address	2804 CYPRESS DR
City	SAINT CHARLES
State	MO
Zip	63301-0728
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	DUCHESNE HILLS #1 LOT 72
Legal Subdivision	DUCHESNE HILLS #1
Legal Lot Number	72
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	1
Census Block	1011
Census Tract	310301

Owner

2804 Cypress Dr is owned and occupied by two individuals who bought it in June 2025.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2804 CYPRESS DR, SAINT CHARLES, MO 63301-0728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on File
Deed Sale	Jun 18, 2025 · Amount on File
Prior Sale	Sep 19, 2017 · Amount on File
Deed Document Number	202525818
Prior Transfer Date	Mar 25, 2005
Prior Transfer Doc	0041381961
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 19, 2017
Property Address	2804 CYPRESS DR, SAINT CHARLES, MO 63301-0728
Document Number	0068090862
Book / Page	006809 / 000862
Instrument Date	Sep 15, 2017
Instrument	587650
Transaction Type	Transfer
Record Updated	Oct 26, 2017
Title Company	US TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2804 CYPRESS DR ST CHARLES MO 633010728, ST CHARLES, MO 63301-0728

Mortgage

Document Number	68090864
Date	Sep 19, 2017
Book Page	006809/000864
Instrument	587660

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2804 Cypress Dr was $3,024, up 1.6% 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	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,195 (-)	$253,656 (-) Land $50,000 Building $203,656
2025	$3,024.00 (+1.65%)	$48,195	$253,656 Land $50,000 Building $203,656
2024	$2,975.00
2023		$46,298 (+26.77%)
2022	$2,515.00	$36,520	$243,672 (+26.77%) Land $50,000 Building $193,672
2021			$192,209 Land $40,000 Building $152,209

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.

Flood

FEMA maps place 2804 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.

Wildfire

Wildfire risk around 2804 Cypress Dr is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

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

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 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