St. Charles County property record for 2913 Cypress Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,366 sqft · built 1966 |
| Lot Size | 0.231 acres (10,080 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Nov 2015) |
| Tax Bill | $3,583 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045070A000 |
| Primary APN | 045070A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,366 sqft Living Area |
| Gross Area | 3,284 sqft |
| 1st Floor Area | 1,688 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 678 sqft |
| Unfinished Basement | 498 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Hardboard |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,080 sqft (0.231 acres) |
| Lot Dimensions | 126 ft deep x 80 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 102 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 045070A000 |
|---|---|
| Street Address | 2913 CYPRESS DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-0766 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | DUCHESNE HILLS #1 LOT 54 |
| Legal Subdivision | DUCHESNE HILLS #1 |
| Legal Lot Number | 54 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 310301 |
Source: St. Charles County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2913 CYPRESS DR, SAINT CHARLES, MO 63301-0766 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 5, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 9, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2015 · Amount on Record |
| Deed Sale | Nov 13, 2015 · Amount on Record |
| Prior Sale | Nov 13, 2015 · Amount on Record |
| Deed Document Number | 2015750140 |
| Deed Book / Page | 6450 / 643 |
| Prior Transfer Date | Nov 11, 2015 |
| Prior Transfer Doc | 0064892419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2913 CYPRESS DR, SAINT CHARLES, MO 63301-0766 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 2913 CYPRESS DR, SAINT CHARLES, MO 63301-0766 |
| Document Number | 2021R065853 |
|---|---|
| Date | Aug 5, 2021 |
| Instrument | 2021R-065853 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2913 CYPRESS DR, SAINT CHARLES, MO 63301-0766 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073160430 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 7316/430 |
| Instrument | 20200609000386880 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHESTERFIELD, MO 63005 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | Sep 1, 2046 |
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 | $55,959 (-) | $294,522 (-) Land $50,000 Building $244,522 | |
| 2025 | $55,959 (+0.15%) | $294,522 (+0.15%) Land $50,000 Building $244,522 | |
| 2024 | $3,583.00 | ||
| 2023 | $55,874 | ||
| 2022 | $294,072 Land $50,000 Building $244,072 |
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 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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