896 Cypress Trl, O Fallon, MO 63368 Property Records

St. Charles County property record for 896 Cypress Trl, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,674 sqft · built 1999
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$402,500 (Dec 2019)
Tax Bill	$6,591 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T001700344`

Property Details

APN / Parcel Number

Primary APN	`T001700344`
Alternative APN	`4-0036-8119-00-0021.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,674 sqft Living Area
Gross Area	6,050 sqft
1st Floor Area	1,978 sqft
Basement Area	1,946 sqft
Finished Basement	1,290 sqft
Unfinished Basement	656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
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	190 sqft
Patio Area	144 sqft

Location & Zoning

Account Number	T001700344
Street Address	896 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 21
Legal Subdivision	CYPRESS KNOLL VLG
Legal Lot Number	21
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 Individual Names on Record
Mailing Address	896 CYPRESS TRL, O FALLON, MO 63368-8297
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Dec 26, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 21, 2018	Deed of Trust, Mortgage CENTRAL BK/ST LOUIS
Jul 18, 2017	Quit Claim Deed, Transfer CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on Record
Deed Sale	Dec 26, 2019 · Amount on Record
Prior Sale	Jul 18, 2017 · Amount on Record
Deed Document Number	2019742460
Deed Book / Page	7205 / 512
Last Transfer Date	Feb 25, 2025
Transfer Doc	0000008007
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	896 CYPRESS TRL, O FALLON, MO 63368-8297
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073351575
Date	Jul 2, 2020
Book Page	7335/1575
Instrument	20200702000456980

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 26, 2019
Property Address	896 CYPRESS TRL, O FALLON, MO 63368-8297
Document Number	0072050512
Book / Page	7205 / 0512
Map Reference	MB 35 PG 276
Instrument Date	Dec 16, 2019
Instrument	20191226000742460
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CYPRESS TRL, O FALLON, MO 63368-8297

Mortgage

Document Number	20191226000742470
Date	Dec 26, 2019
Instrument	20191226000742470

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	896 CYPRESS TRL, O FALLON, MO 63368-8297
Document Number	0070091191
Instrument Date	Nov 21, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CYPRESS TRL O FALLON MO 633688297, O FALLON, MO 63368-8297

Mortgage

Document Number	0070091191
Date	Dec 3, 2018
Book Page	007009/001191
Instrument	674180

Lender

Name	CENTRAL BK/ST LOUIS
Address	FLINT, MI 45801-2026

Agreement

Amount	Amount Recorded

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 18, 2017
Property Address	896 CYPRESS TRL, O FALLON, MO 63368-8297
Document Number	0067761534
Book / Page	006776 / 001534
Instrument Date	Jul 11, 2017
Instrument	442140
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 CYPRESS TRL O FALLON MO 633688297, O FALLON, MO 63368-8297

Mortgage

Document Number	67761536
Date	Jul 18, 2017
Book Page	006776/001536
Instrument	442150

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 17, 2037

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		$99,420 (-)	$523,265 (-) Land $80,000 Building $443,265
2025	$6,591.00 (+2.92%)	$99,420 (+5.94%)	$523,265 (+5.94%) Land $80,000 Building $443,265
2024	$6,404.00
2023		$93,844
2022			$493,913 Land $65,000 Building $428,913

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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