923 Cypress Trl, O Fallon, MO 63368 Property Records

St. Charles County property record for 923 Cypress Trl, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,135 sqft · built 2001
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$378,500 (Aug 2020)
Tax Bill	$5,501 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T001700357`

Property Details

APN / Parcel Number

Primary APN	`T001700357`
Alternative APN	`4-0036-8115-00-0004.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,135 sqft Living Area
Gross Area	5,370 sqft
1st Floor Area	1,860 sqft
Basement Area	1,440 sqft
Finished Basement	835 sqft
Unfinished Basement	605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	288 sqft

Location & Zoning

Account Number	T001700357
Street Address	923 CYPRESS TRL
City	O FALLON
State	MO
Zip	63368-8167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RED ORCHARD VLG LOT 4
Legal Subdivision	RED ORCHARD VLG
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1003
Census Tract	311153

Owner

923 Cypress Trl is owned and occupied by two individuals who bought it in August 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	923 CYPRESS TRL, O FALLON, MO 63368-8167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 6, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 27, 2019	Deed of Trust, Mortgage QUICKEN LNS
Sep 8, 2017	Deed of Trust, Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2020 · Amount on File
Deed Sale	Aug 6, 2020 · Amount on File
Prior Sale	Mar 16, 2016 · Amount on File
Deed Document Number	2020563490
Deed Book / Page	7365 / 1507
Prior Transfer Date	Mar 11, 2016
Prior Transfer Doc	0065050297
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	923 CYPRESS TRL, O FALLON, MO 63368-8167
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072220384
Date	Jan 28, 2020
Book Page	7222/0384
Instrument	20200128000054940

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 6, 2020
Property Address	923 CYPRESS TRL, O FALLON, MO 63368-8167
Document Number	0073651507
Book / Page	7365 / 1507
Map Reference	MB 35 PG 272
Instrument Date	Aug 4, 2020
Instrument	20200806000563490
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	923 CYPRESS TRL, 923, O FALLON, MO 63368-8167

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 CYPRESS TRL, O FALLON, MO 63368-8167

Mortgage

Document Number	20200806000563500
Date	Aug 6, 2020
Instrument	20200806000563500

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	923 CYPRESS TRL, O FALLON, MO 63368-8167
Document Number	0070401428
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 CYPRESS TRL O FALLON MO 633688167, O FALLON, MO 63368-8167

Mortgage

Document Number	0070401428
Date	Feb 27, 2019
Book Page	007040/001428
Instrument	87380

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	923 CYPRESS TRL, O FALLON, MO 63368-8167
Document Number	0068060997
Book / Page	006806 / 000997
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Sep 20, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 CYPRESS TRL O FALLON MO 633688167, O FALLON, MO 63368-8167

Mortgage

Document Number	0068060997
Date	Sep 13, 2017
Book Page	006806/000997
Instrument	575480

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 923 Cypress Trl was $5,501, up 0.3% from the year before.

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		$82,880 (-)	$436,208 (-) Land $72,000 Building $364,208
2025	$5,501.00 (+0.31%)	$82,880	$436,208 Land $72,000 Building $364,208
2024	$5,484.00
2023		$80,277
2022			$422,511 Land $58,500 Building $364,011

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

FEMA maps place 923 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

Wildfire risk around 923 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.

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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