St. Charles County property record for 895 Cypress Trl, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,297 sqft · built 1999 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $307,931 (Dec 1999) |
| Tax Bill | $6,516 (2025) |
| Deeds & Mortgages | Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T001700325 |
| Primary APN | T001700325 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,297 sqft Living Area |
| Gross Area | 5,989 sqft |
| 1st Floor Area | 2,076 sqft |
| Basement Area | 2,052 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 640 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Patio Area | 440 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T001700325 |
|---|---|
| Street Address | 895 CYPRESS TRL |
| City | O FALLON |
| State | MO |
| Zip | 63368-8299 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CYPRESS KNOLL VLG LOT 2 |
| Legal Subdivision | CYPRESS KNOLL VLG |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 311153 |
895 Cypress Trl is owned and occupied by two individuals who acquired it in February 2017.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 895 CYPRESS TRL, O FALLON, MO 63368-8299 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 1999 · Amount on File |
| Deed Sale | Dec 1, 1999 · Amount on File |
| Deed Document Number | 199995104 |
| Deed Book / Page | 2336 / 1132 |
| Last Transfer Date | Feb 7, 2017 |
| Transfer Doc | 0068421740 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 895 CYPRESS TRL, O FALLON, MO 63368-8299 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 895 CYPRESS TRL, O FALLON, MO 63368-8299 |
| Document Number | 0070150549 |
|---|---|
| Date | Dec 17, 2018 |
| Book Page | 7015/0549 |
| Instrument | 20181217000701150 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 895 Cypress Trl was $6,516, up 7.7% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $98,293 (-) | $517,333 (-) Land $117,328 Building $400,005 | |
| 2025 | $6,516.00 (+7.67%) | $98,293 | $517,333 Land $117,328 Building $400,005 |
| 2024 | $6,052.00 | ||
| 2023 | $88,658 | ||
| 2022 | $466,620 Land $95,329 Building $371,291 |
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.
FEMA maps place 895 Cypress Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.
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 risk around 895 Cypress Trl 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 99.1% 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.
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 |
| 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 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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