St. Charles County property record for 2908 Cypress Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,246 sqft · built 1968 |
| Lot Size | 0.218 acres (9,477 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,775 (Apr 2026) |
| Tax Bill | $2,706 (2024) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045300A000 |
| Primary APN | 045300A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,246 sqft Living Area |
| Gross Area | 2,612 sqft |
| 1st Floor Area | 1,246 sqft |
| Basement Area | 1,036 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,477 sqft (0.218 acres) |
| Lot Dimensions | 117 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 72 sqft |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 045300A000 |
|---|---|
| Street Address | 2908 CYPRESS DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | DUCHESNE HILLS #1 LOT 77 |
| Legal Subdivision | DUCHESNE HILLS #1 |
| Legal Lot Number | 77 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 310301 |
Source: St. Charles County records, as of September 11, 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 Record |
|---|---|
| Mailing Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 9, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| May 30, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| May 2, 2022 | Beneficiary Deed, Transfer |
| Apr 15, 2022 | Special Warranty Deed, Transfer |
| Apr 15, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2026 · Amount on Record |
| Deed Sale | Apr 9, 2026 · Amount on Record |
| Prior Sale | May 30, 2025 · Amount on Record |
| Deed Document Number | 202616362 |
| Prior Transfer Date | Apr 14, 2022 |
| Prior Transfer Doc | 0000021895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 9, 2026 |
| Property Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Number | 0000016362 |
| Instrument Date | Apr 7, 2026 |
| Instrument | 202616362 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Number | 0000016363, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 202616363 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 30, 2025 |
| Property Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Number | 0000022568 |
| Map Reference | MB 10 PG 2 |
| Instrument Date | May 27, 2025 |
| Instrument | 2025R-022568 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Number | 0000022569 |
|---|---|
| Date | May 30, 2025 |
| Instrument | 2025R-022569 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 2, 2022 |
| Property Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Number | 0000025133 |
| Map Reference | MB 10 PG 2 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022R-025133 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 15, 2022 |
| Property Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Number | 0000021896 |
| Map Reference | MB 10 PG 2 |
| Instrument Date | Apr 12, 2022 |
| Instrument | 2022R-021896 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 15, 2022 |
| Property Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
| Document Number | 0000021895 |
| Map Reference | MB 10 PG 2 |
| Instrument Date | Apr 6, 2022 |
| Instrument | 2022R-021895 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2908 CYPRESS DR, SAINT CHARLES, MO 63301-0765 |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $42,529 (-) | $223,835 (-) Land $50,000 Building $173,835 | |
| 2025 | $42,529 (+1.07%) | $223,835 (+1.07%) Land $50,000 Building $173,835 | |
| 2024 | $2,706.00 | ||
| 2023 | $42,078 | ||
| 2022 | $221,465 Land $50,000 Building $171,465 |
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 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.
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 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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