927 Cypress Trl, O Fallon, MO 63368 Property Records

St. Charles County property record for 927 Cypress Trl, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,048 sqft · built 2000
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$257,000 (Oct 2015)
Tax Bill	$5,553 (2025)
Deeds & Mortgages	Oct 2025 Sale May 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T001700355`

Property Details

APN / Parcel Number

Primary APN	`T001700355`
Alternative APN	`4-0036-8115-00-0002.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,048 sqft Living Area
Gross Area	5,160 sqft
1st Floor Area	1,716 sqft
Basement Area	1,692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Masonry Veneer
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	115 sqft
Deck Area	Deck Area
Patio Area	480 sqft

Location & Zoning

Account Number	T001700355
Street Address	927 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 2
Legal Subdivision	RED ORCHARD VLG
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1003
Census Tract	311153

Owner

927 Cypress Trl is owned and occupied by two individuals who acquired it in October 2025.

Source: St. Charles County records, as of October 13, 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	927 CYPRESS TRL, O FALLON, MO 63368-8167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Beneficiary Deed, Transfer
May 15, 2023	Deed of Trust, Mortgage · FHA Mortgage FIRST BANK
Jul 6, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2015 · Amount on File
Deed Sale	Oct 29, 2015 · Amount on File
Prior Sale	Jul 25, 2012 · Amount on File
Deed Document Number	2015716670
Deed Book / Page	6443 / 183
Last Transfer Date	Oct 22, 2025
Transfer Doc	0000048870
Record Updated	Oct 29, 2026

October 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 31, 2025
Property Address	927 CYPRESS TRL, O FALLON, MO 63368-8167
Document Number	0000048870
Map Reference	MB 35 PG 272
Instrument Date	Oct 22, 2025
Instrument	2025R-048870
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	927 CYPRESS TRL, O FALLON, MO 63368-8167

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	927 CYPRESS TRL, O FALLON, MO 63368-8167
Transaction Type	Mortgage
Record Updated	May 26, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	927 CYPRESS TRL, O FALLON, MO 63368-8167
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018374
Date	May 15, 2023
Instrument	2023R-018374

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	927 CYPRESS TRL, O FALLON, MO 63368-8167
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000462850
Date	Jul 6, 2020
Book Page	7337/806
Instrument	20200706000462850

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 9, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	927 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	0067941111
Date	Aug 21, 2017
Book Page	6794/1111
Instrument	20170821000524130

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Aug 14, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 927 Cypress Trl was $5,553.

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		$83,668 (-)	$440,357 (-) Land $72,000 Building $368,357
2025	$5,553.00	$83,668	$440,357 Land $72,000 Building $368,357
2023		$77,554
2022			$408,178 Land $58,500 Building $349,678

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 927 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 927 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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