St. Charles County property record for 4 Copper Trail Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,976 sqft · built 1998 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $4,460 (2024) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A965000238 |
| Primary APN | A965000238 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,976 sqft Living Area |
| Gross Area | 4,748 sqft |
| 1st Floor Area | 1,976 sqft |
| Basement Area | 1,952 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 820 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 576 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Patio Area | 880 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A965000238 |
|---|---|
| Street Address | 4 COPPER TRAIL CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-3230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | STABLE RIDGE EST #3 LOT 142 |
| Legal Subdivision | STABLE RIDGE EST #3 |
| Legal Lot Number | 142 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 310202 |
Source: St. Charles County records, as of August 13, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 4 COPPER TRAIL CT, SAINT CHARLES, MO 63301-3230 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2020 |
| Deed Sale | Sep 18, 2020 |
| Prior Sale | Jan 27, 1999 · Amount on Record |
| Deed Document Number | 202069487 |
| Prior Transfer Date | May 3, 2005 |
| Prior Transfer Doc | 0041692086 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 COPPER TRAIL CT, SAINT CHARLES, MO 63301-3230 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067600545 |
|---|---|
| Date | Jun 16, 2017 |
| Book Page | 6760/0545 |
| Instrument | 20170616000367900 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2032 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $76,800 (+15.5%) | $404,211 (+15.5%) Building $404,211 | |
| 2024 | $4,460.00 | ||
| 2023 | $66,492 | ||
| 2022 | $349,956 Land $48,000 Building $301,956 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 37 (1979–2022) |
| Claims Outside the SFHA | 2 of 37 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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