305 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 305 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,478 sqft · built 2020
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jan 2022)
Tax Bill	$5,133 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T200500028`

Property Details

APN / Parcel Number

Primary APN	`T200500028`
Alternative APN	`5-116B-C745-00-0243.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,478 sqft Living Area
Basement Area	1,478 sqft

Exterior

Year Built	Built 2020
Exterior Material	Brick/Stone
Lot Area	5,009 sqft (0.114 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T200500028
Street Address	305 COPPERFIELD CT
City	SAINT CHARLES
State	MO
Zip	63301-4929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE PL #2 LOT 243
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE PL #2
Legal Lot Number	243
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2000
Census Tract	310201

Owner

305 Copperfield Ct is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	305 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jan 14, 2022	Personal Representative Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Nov 30, 2020	Warranty Deed, Subdivision Related Transfer OTHER
Jul 16, 2020	Warranty Deed, Transfer · Line of Credit SAINT LOUIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2022 · Amount on File
Deed Sale	Jan 14, 2022 · Amount on File
Prior Sale	Nov 30, 2020
Deed Document Number	0020223346
Deed Book / Page	2022 / 3346
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929

Mortgage

Document Number	0000057092
Date	Dec 19, 2025
Instrument	2025R-057092

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 14, 2022
Property Address	305 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Document Number	0000003346
Map Reference	MB 50 PG 206
Instrument Date	Jan 13, 2022
Instrument	2022R-003346
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2928 WESTBOROUGH DR, 2928, SAINT CHARLES, MO 63301-4547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929

Mortgage

Document Number	0000003347
Date	Jan 14, 2022
Instrument	2022R-003347

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2020
Property Address	305 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Document Number	0000092500
Instrument Date	Nov 24, 2020
Instrument	92500
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 5, 2021
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 COPPERFIELD CT ST CHARLES MO 633014929, ST CHARLES, MO 63301-4929

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 16, 2020
Property Address	305 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Document Number	0073460091
Book / Page	007346 / 000091
Instrument Date	Jul 15, 2020
Instrument	495140
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	695 TRADE CENTER BLVD #200 CHESTERFIELD MO 630051276, 200, CHESTERFIELD, MO 63005-1276
Investor	Possibly a Property Investor

Mortgage

Document Number	73460093
Date	Jul 16, 2020
Book Page	007346/000093
Instrument	495150

Lender

Name	SAINT LOUIS BK
Address	TOWN AND COUNTRY, MO 63017

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 305 Copperfield Ct was $5,133.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,133.00	$61,878	$325,675 Land $64,751 Building $260,924
2023		$54,853
2022			$288,703 Land $58,334 Building $230,369

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 305 Copperfield Ct in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 2021.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · 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

Wildfire risk around 305 Copperfield 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 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 PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Copperfield Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures