4 Cypress Point Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 4 Cypress Point Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,223 sqft · built 2001
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$293,800 (Feb 2021)
Tax Bill	$4,995 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T002400345`

Property Details

APN / Parcel Number

Primary APN	`T002400345`
Alternative APN	`2-0060-8224-00-0332.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,223 sqft Living Area
Gross Area	4,303 sqft
1st Floor Area	1,503 sqft
Basement Area	1,040 sqft
Finished Basement	680 sqft
Unfinished Basement	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T002400345
Street Address	4 CYPRESS POINT CT
City	O FALLON
State	MO
Zip	63366-5586
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURTLE CREEK #6 LOT 332
Legal Subdivision	TURTLE CREEK #6
Legal Lot Number	332
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1012
Census Tract	311712

Owner

Source: St. Charles County records, as of August 13, 2025

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	4 CYPRESS POINT CT, O FALLON, MO 63366-5586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 6, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2021 · Amount on Record
Deed Sale	Feb 19, 2021 · Amount on Record
Prior Sale	Dec 28, 2015 · Amount on Record
Deed Document Number	202114662
Prior Transfer Date	Aug 5, 2011
Prior Transfer Doc	0056412147
Record Updated	Sep 20, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 19, 2021
Property Address	4 CYPRESS POINT CT, O FALLON, MO 63366-5586
Document Number	2021R014662
Map Reference	MB 36 PG 28-232
Instrument Date	Feb 11, 2021
Instrument	2021R-014662
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CYPRESS POINT CT, O FALLON, MO 63366-5586

Mortgage

Document Number	2021R014663
Date	Feb 19, 2021
Instrument	2021R-014663

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 CYPRESS POINT CT, O FALLON, MO 63366-5586
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067071776
Date	Mar 6, 2017
Book Page	6707/1776
Instrument	20170306000133990

Lender

Name	US BANK NA
Type	Bank
Address	DAYTON, OH 45420

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 20, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,995.00 (+6.12%)	$77,923 (+9.31%)	$410,119 (+9.31%) Land $61,540 Building $348,579
2024	$4,707.00
2023		$71,284
2022			$375,181 Land $50,000 Building $325,181

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

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 9 (5% premium discount)
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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