920 Cypress Trl, O Fallon, MO 63368 Property Records

St. Charles County property record for 920 Cypress Trl, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,787 sqft · built 2000
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Aug 2021)
Tax Bill	$5,367 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T001700385`

Property Details

APN / Parcel Number

Primary APN	`T001700385`
Alternative APN	`4-0036-8115-00-0032.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,787 sqft Living Area
1st Floor Area	1,617 sqft
Basement Area	1,170 sqft
Finished Basement	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	20 sqft
Patio Area	100 sqft

Location & Zoning

Account Number	T001700385
Old Parcel Number	T001700385
Street Address	920 CYPRESS TRL
City	O FALLON
State	MO
Zip	63368-8298
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RED ORCHARD VLG LOT 32
Legal Range	02E
Legal Township	46N
Legal Subdivision	RED ORCHARD VLG
Legal Lot Number	32
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1028
Census Tract	311153

Owner

Source: St. Charles County records, as of March 16, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	920 CYPRESS TRL, O FALLON, MO 63368-8298
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage US WIDE FINANCIAL LLC
Feb 12, 2018	Warranty Deed, Transfer · FHA Mortgage F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Prior Sale	Feb 12, 2018 · Amount on Record
Deed Document Number	0202164964
Deed Book / Page	2021 / 64964
Record Updated	Jun 8, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 3, 2021
Property Address	920 CYPRESS TRL, O FALLON, MO 63368-8298
Document Number	0000064964
Map Reference	MB 35 PG 272
Instrument Date	Jul 29, 2021
Instrument	2021R-064964
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	920 CYPRESS TRL, 920, O FALLON, MO 63368-8298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 CYPRESS TRL, O FALLON, MO 63368-8298

Mortgage

Document Number	0000064965
Date	Aug 3, 2021
Instrument	2021R-064965

Lender

Name	US WIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

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

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 12, 2018
Property Address	920 CYPRESS TRL, O FALLON, MO 63368-8298
Document Number	0068772287
Book / Page	006877 / 002287
Instrument Date	Feb 9, 2018
Instrument	75870
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	CONTINENTAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	920 CYPRESS TRL O FALLON MO 633688298, O FALLON, MO 63368-8298

Mortgage

Document Number	68772289
Date	Feb 12, 2018
Book Page	006877/002289
Instrument	75880

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$5,367.00	$80,845 (+8.09%)	$425,498 (+8.09%)
2023		$74,793
2022			$393,650 Land $65,000 Building $328,650

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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