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309 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 309 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,658 sqft · built 2019
Lot Size0.115 acres (5,001 sqft)
Owner2 Individual Names on Record
Last Sale$260,900 (Dec 2019)
Tax Bill$5,078 (2025)
Deeds & MortgagesSep 2025 Transfer
Oct 2021 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APNT200500026

Property Details

APN / Parcel Number

Primary APNT200500026
Alternative APN
  • 5-116B-C745-00-0241.0000000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area1,658 sqft Living Area
Gross Area2,354 sqft
1st Floor Area962 sqft
Basement Area696 sqft

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleBi-Level
Exterior MaterialBrick
Lot Area5,001 sqft (0.115 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Account NumberT200500026
Street Address309 COPPERFIELD CT
CitySAINT CHARLES
StateMO
Zip63301-4929
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHARLESTOWNE PL #2 LOT 241
Legal SubdivisionCHARLESTOWNE PL #2
Legal Lot Number241
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group2
Census Block2000
Census Tract310201

Owner

Source: St. Charles County records, as of March 27, 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 Record2 Individual Names on Record
Mailing Address309 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2025Intrafamily Transfer, Transfer
Oct 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
May 20, 2020Warranty Deed, Subdivision Related Transfer
US BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 2, 2019 · Amount on Record
Deed SaleDec 2, 2019 · Amount on Record
Deed Document Number2019684770
Deed Book / Page7190 / 1119
Last Transfer DateSep 15, 2025
Transfer Doc0000040600
Record UpdatedJun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST CHARLES MO
Recording DateSep 15, 2025
Property Address309 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Document Number0000040600
Map ReferenceMB 50 PG 206
Instrument DateSep 15, 2025
Instrument2025R-040600
Transaction TypeTransfer
Record UpdatedSep 29, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address309 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address309 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Transaction TypeMortgage
Record UpdatedJun 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000088796
DateOct 27, 2021
Instrument2021R-088796
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 1, 2036

May 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 20, 2020
Property Address309 COPPERFIELD CT, SAINT CHARLES, MO 63301-4929
Document Number0073000074
Book / Page007300 / 000074
Instrument DateMay 12, 2020
Instrument329360
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 17, 2020
Title CompanyUS TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address309 COPPERFIELD CT ST CHARLES MO 633014929, ST CHARLES, MO 63301-4929

Mortgage

Document Number73000076
DateMay 20, 2020
Book Page007300/000076
Instrument329370
Lender
NameUS BK
TypeBank
AddressOWENSBORO, KY 42301
Agreement
AmountAmount Recorded
Term180 Months
DueMay 19, 2035

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictOrchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,078.00 (+40.94%)$61,030 (+13.81%)$321,212 (+13.81%) Land $64,751 Building $256,461
2024$3,603.00
2023$53,624
2022$282,236 Land $58,334 Building $223,902

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 81 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies81 in force
Nearby Flood Claims1 (2021)
Most Recent ClaimSep 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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.

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