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

St. Charles County property record for 311 Copper Crest Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,171 sqft · built 1997
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$272,000 (Mar 2018)
Tax Bill	$4,733 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A963001409`

Property Details

APN / Parcel Number

Primary APN	`A963001409`
Alternative APN	`3-157C-7433-00-0010.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,171 sqft Living Area
Gross Area	4,231 sqft
1st Floor Area	2,539 sqft
Basement Area	1,265 sqft
Finished Basement	632 sqft
Unfinished Basement	633 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	7,841 sqft (0.18 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	A963001409
Street Address	311 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 10
Legal Subdivision	AUBURN HILLS #2
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3036
Census Tract	311124

Owner

311 Copper Crest Ct is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	311 COPPER CREST CT, SAINT CHARLES, MO 63304-2456
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
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 13, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2018 · Amount on File
Deed Sale	Mar 13, 2018 · Amount on File
Prior Sale	Jul 28, 2010 · Amount on File
Deed Document Number	2018133190
Deed Book / Page	6890 / 1463
Prior Transfer Date	Apr 13, 2006
Prior Transfer Doc	0044620816
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	311 COPPER CREST CT, SAINT CHARLES, MO 63304-2456
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073351994
Date	Jul 2, 2020
Book Page	7335/1994
Instrument	20200702000457510

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 13, 2018
Property Address	311 COPPER CREST CT, SAINT CHARLES, MO 63304-2456
Document Number	0068901463
Book / Page	6890 / 1463
Map Reference	MB 33 PG 59
Instrument Date	Mar 9, 2018
Instrument	20180313000133190
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 COPPER CREST CT, SAINT CHARLES, MO 63304-2456

Mortgage

Document Number	20180313000133210
Date	Mar 13, 2018
Instrument	20180313000133210

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 311 Copper Crest Ct was $4,733, up 11.4% from the year before.

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		$79,861 (-)	$420,323 (-) Land $75,000 Building $345,323
2025	$4,733.00 (+11.42%)	$79,861	$420,323 Land $75,000 Building $345,323
2024	$4,248.00
2023		$71,181
2022			$374,636 Land $60,000 Building $314,636

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 311 Copper Crest Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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

Wildfire risk around 311 Copper Crest 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	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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