3020 Cypress Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 3020 Cypress Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,956 sqft · built 1967
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on File
Last Sale	$158,550 (Sep 2003)
Tax Bill	$3,542 (2025)
Deeds & Mortgages	Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045390A000`

Property Details

APN / Parcel Number

Primary APN	`045390A000`
Alternative APN	`6-006B-4182-00-0204.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,956 sqft Living Area
Gross Area	4,032 sqft
1st Floor Area	1,956 sqft
Basement Area	1,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood
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	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	045390A000
Street Address	3020 CYPRESS DR
City	SAINT CHARLES
State	MO
Zip	63301-0730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	DUCHESNE HILLS #2 LOT 204
Legal Subdivision	DUCHESNE HILLS #2
Legal Lot Number	204
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2011
Census Tract	310301

Owner

3020 Cypress Dr is owned and occupied by two individuals who bought it in September 2003.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3020 CYPRESS DR, SAINT CHARLES, MO 63301-0730
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2003 · Amount on File
Deed Sale	Sep 16, 2003 · Amount on File
Prior Sale	Feb 26, 2002 · Amount on File
Deed Document Number	2003136665
Deed Book / Page	3642 / 1465
Prior Transfer Date	Jan 30, 1998
Prior Transfer Doc	0000034252
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3020 CYPRESS DR, SAINT CHARLES, MO 63301-0730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069492454
Date	Jul 18, 2018
Book Page	6949/2454
Instrument	20180718000405320

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jun 27, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 3020 Cypress Dr was $3,542.

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		$56,546 (-)	$297,608 (-) Land $50,000 Building $247,608
2025	$3,542.00	$56,546	$297,608 Land $50,000 Building $247,608
2023		$57,629
2022			$303,309 Land $50,000 Building $253,309

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 3020 Cypress Dr in Zone X, an area of minimal flood risk, though there have been 75 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	2 in force
Nearby Flood Claims	75 (1979–2015)
Claims Outside the SFHA	1 of 75
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Flooding, Jun 2011 · 3 claims Severe Storms And Flooding, Jul 2008 · 2 claims Severe Storms & Flooding, Aug 1993 · 25 claims

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 3020 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 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