305 Copper Crest Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 305 Copper Crest Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,803 sqft · built 1997
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,900 (Jun 2000)
Tax Bill	$4,592 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A963001412`

Property Details

APN / Parcel Number

Primary APN	`A963001412`
Alternative APN	`3-157C-7433-00-0013.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,803 sqft Living Area
Gross Area	4,242 sqft
1st Floor Area	1,348 sqft
Basement Area	1,285 sqft
Finished Basement	273 sqft
Unfinished Basement	1,012 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	7,405 sqft (0.17 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	427 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	102 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A963001412
Street Address	305 COPPER CREST CT
City	SAINT CHARLES
State	MO
Zip	63304-2456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	AUBURN HILLS #2 LOT 13
Legal Subdivision	AUBURN HILLS #2
Legal Lot Number	13
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3036
Census Tract	311124

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	305 COPPER CREST CT, SAINT CHARLES, MO 63304-2456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2017	Deed of Trust, Mortgage · FHA Mortgage VINSON MORTGAGE SERVICES INC
Nov 3, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2000 · Amount on Record
Deed Sale	Jun 30, 2000 · Amount on Record
Prior Sale	Aug 28, 1997 · Amount on Record
Deed Document Number	200039120
Deed Book / Page	2412 / 293
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 COPPER CREST CT, SAINT CHARLES, MO 63304-2456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066991849
Date	Feb 15, 2017
Book Page	6699/1849
Instrument	20170215000097910

Lender

Name	VINSON MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 COPPER CREST CT, SAINT CHARLES, MO 63304-2456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068340556
Date	Nov 3, 2017
Book Page	6834/0556
Instrument	20171103000692060

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,478 (-)	$407,778 (-) Land $75,000 Building $332,778
2025	$4,592.00	$77,478 (+12.56%)	$407,778 (+12.56%) Land $75,000 Building $332,778
2023		$68,832
2022			$362,274 Land $60,000 Building $302,274

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · other causes

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	Direct burnable vegetation

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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 486 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	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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