318 Copper Tree Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 318 Copper Tree Ct, O Fallon, MO 63368 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,562 sqft · built 2001
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$663,337 (Jun 2026)
Tax Bill	$6,106 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T001700463`

Property Details

APN / Parcel Number

Primary APN	`T001700463`
Alternative APN	`4-0036-8340-00-0243.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,562 sqft Living Area
Gross Area	5,498 sqft
1st Floor Area	2,026 sqft
Basement Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700463
Street Address	318 COPPER TREE CT
City	O FALLON
State	MO
Zip	63368-6340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PERSIMMON HILL VLG LOT 243
Legal Subdivision	PERSIMMON HILL VLG
Legal Lot Number	243
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1030
Census Tract	311153

Owner

Source: St. Charles County records · APN T001700463

Assessment roll updated August 13, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	318 COPPER TREE CT, O FALLON, MO 63368-6340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Oct 06, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Jun 10, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Dec 07, 2020	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Prior Sale	Feb 08, 2007 · Amount on Record
Deed Document Number	202627182
Prior Transfer Date	Jan 28, 2002
Prior Transfer Doc	0033140527
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	318 COPPER TREE CT, O FALLON, MO 63368-6340
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 COPPER TREE CT, DARDENNE PRAIRIE, MO 63368-6340

Mortgage

Document Number	0000014249
Date	Apr 16, 2024
Instrument	2024R-014249

Lender

Name	FIRST BANK
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	318 COPPER TREE CT, O FALLON, MO 63368-6340
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 COPPER TREE CT, DARDENNE PRAIRIE, MO 63368-6340

Mortgage

Document Number	0000055001
Date	Oct 06, 2022
Instrument	2022R-055001

Lender

Name	FIRST BANK
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	318 COPPER TREE CT, O FALLON, MO 63368-6340
Transaction Type	Mortgage
Record Updated	Jun 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 COPPER TREE CT, O FALLON, MO 63368-6340

Mortgage

Document Number	0000048000
Date	Oct 28, 2025
Instrument	2025R-048000

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Nov 15, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 10, 2026
Property Address	318 COPPER TREE CT, O FALLON, MO 63368-6340
Document Number	0000027182
Instrument Date	May 20, 2026
Instrument	202627182
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	INVEST TITLE, INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 COPPER TREE CT, O FALLON, MO 63368-6340

Mortgage

Document Number	0000027183,
Date	Jun 10, 2026
Instrument	202627183

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	318 COPPER TREE CT, O FALLON, MO 63368-6340
Document Number	0000099553
Instrument Date	Dec 07, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	318 COPPER TREE CT O FALLON MO 633686340, O FALLON, MO 63368-6340

Mortgage

Document Number	0000099553
Date	Dec 17, 2020
Instrument	99553

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,106.00	$92,069 (+8.09%)	$484,571 (+8.08%) Land $80,000 Building $404,571
2023		$85,182
2022			$448,326 Land $65,000 Building $383,326

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111531, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008, river or lake flooding, Severe Storms, Flooding, And A Tornado

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 292 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WH i3B Bidco LLC/WH i3B Topco	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30

May also be available at this address: Verizon, Gateway Fiber Holdings, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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