892 Cypress Trl, O Fallon, MO 63368 Property Records

St. Charles County property record for 892 Cypress Trl, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,272 sqft · built 1999
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Company Names on Record
Last Sale	$425,000 (Jun 2017)
Tax Bill	$6,473 (2024)
Deeds & Mortgages	Jun 2021 Transfer Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001700346`

Property Details

APN / Parcel Number

Primary APN	`T001700346`
Alternative APN	`4-069A-8119-00-0023.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,272 sqft Living Area
Gross Area	6,359 sqft
1st Floor Area	2,266 sqft
Basement Area	2,232 sqft
Finished Basement	1,785 sqft
Unfinished Basement	447 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Patio Area	570 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700346
Street Address	892 CYPRESS TRL
City	O FALLON
State	MO
Zip	63368-8297
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CYPRESS KNOLL VLG LOT 23
Legal Subdivision	CYPRESS KNOLL VLG
Legal Lot Number	23
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1025
Census Tract	311153

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	892 CYPRESS TRL, O FALLON, MO 63368-8297
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Intrafamily Transfer, Transfer
Jan 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Feb 8, 2005 · Amount on Record
Deed Document Number	2017403290
Deed Book / Page	6768 / 352
Last Transfer Date	May 27, 2021
Transfer Doc	2021R046968
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jun 2, 2021
Property Address	892 CYPRESS TRL, O FALLON, MO 63368-8297
Document Number	2021R046968
Map Reference	MB 35 PG 276
Instrument Date	May 27, 2021
Instrument	2021R-046968
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	892 CYPRESS TRL, O FALLON, MO 63368-8297

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	892 CYPRESS TRL, O FALLON, MO 63368-8297
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SELECT TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068632121
Date	Jan 5, 2018
Book Page	6863/2121
Instrument	20180105000011520

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2033

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2017
Property Address	892 CYPRESS TRL, O FALLON, MO 63368-8297
Document Number	0067680352
Book / Page	6768 / 0352
Map Reference	MB 35 PG 276
Instrument Date	Jun 26, 2017
Instrument	20170630000403290
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND AGE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1509 MYRTLEWOOD CT, 1509, WILDWOOD, MO 63005-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	892 CYPRESS TRAIL, NEW FLORENCE, MO 63363

Mortgage

Document Number	20170630000403300
Date	Jun 30, 2017
Instrument	20170630000403300

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,512 (-)	$534,273 (-) Land $88,000 Building $446,273
2025		$101,512 (+7.01%)	$534,273 (+7.01%) Land $88,000 Building $446,273
2024	$6,473.00
2023		$94,862
2022			$499,276 Land $71,500 Building $427,776

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
Nearby Flood Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 99.1% of the US · lower than 98.2% 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Gateway Fiber, Verizon.

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