St. Charles County property record for 128 Coppersmith Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,210 sqft · built 2001 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $463,737 (Aug 2026) |
| Tax Bill | $4,278 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A986000174 |
| Primary APN | A986000174 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,210 sqft Living Area |
| Gross Area | 3,957 sqft |
| 1st Floor Area | 1,225 sqft |
| Basement Area | 1,201 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 114 sqft |
| Deck Area | Deck Area |
| Patio Area | 330 sqft |
| Account Number | A986000174 |
|---|---|
| Street Address | 128 COPPERSMITH CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-7403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | STONEBRIDGE MANOR #1 LOT 22 |
| Legal Subdivision | STONEBRIDGE MANOR #1 |
| Legal Lot Number | 22 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 310802 |
128 Coppersmith Ct is owned and occupied by two individuals who bought it in August 2026.
Source: St. Charles County records, as of September 9, 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 | 128 COPPERSMITH CT, SAINT CHARLES, MO 63301-7403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 26, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE HEADQUARTERS INC |
| Feb 12, 2019 | Deed of Trust, Mortgage FIRST CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2026 · Amount on File |
| Deed Sale | Aug 26, 2026 · Amount on File |
| Prior Sale | Mar 13, 2002 · Amount on File |
| Deed Document Number | 202640905 |
| Prior Transfer Date | Mar 1, 2002 |
| Prior Transfer Doc | 0000000026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 26, 2026 |
| Property Address | 128 COPPERSMITH CT, SAINT CHARLES, MO 63301-7403 |
| Document Number | 0000040905 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 202640905 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | VISION TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 COPPERSMITH CT, SAINT CHARLES, MO 63301-7403 |
| Document Number | 0000040906, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 202640906 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 128 COPPERSMITH CT, SAINT CHARLES, MO 63301-7403 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PARTNER AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 128 COPPERSMITH CT, SAINT CHARLES, MO 63301-7403 |
| Document Number | 2021R011265 |
|---|---|
| Date | Feb 5, 2021 |
| Instrument | 2021R-011265 |
| Name | MORTGAGE HEADQUARTERS INC |
|---|---|
| Type | Mortgage Company |
| Address | OSAGE BEACH, MO 65065 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 128 COPPERSMITH CT, SAINT CHARLES, MO 63301-7403 |
| Document Number | 0070370364 |
| Instrument Date | Feb 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 128 COPPERSMITH CT ST CHARLES MO 633017403, ST CHARLES, MO 63301-7403 |
| Document Number | 0070370364 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 007037/000364 |
| Instrument | 73490 |
| Name | FIRST CMNTY CU |
|---|---|
| Address | CHESTERFIELD, MO 63005 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
The 2025 property tax bill for 128 Coppersmith Ct was $4,278.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $66,243 (-) | $348,649 (-) Land $66,500 Building $282,149 | |
| 2025 | $4,278.00 | $66,243 | $348,649 Land $66,500 Building $282,149 |
| 2023 | $64,566 | ||
| 2022 | $339,821 Land $50,000 Building $289,821 |
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 128 Coppersmith Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
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 128 Coppersmith Ct 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 97% of the US · lower than 95% 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 272 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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