St. Charles County property record for 406 Copper Tree Trl, O Fallon, MO 63368 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,682 sqft · built 2002 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,500 (May 2026) |
| Tax Bill | $5,848 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T001700473 |
| Primary APN | T001700473 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,682 sqft Living Area |
| Gross Area | 4,647 sqft |
| 1st Floor Area | 2,983 sqft |
| Basement Area | 1,264 sqft |
| Finished Basement | 699 sqft |
| Unfinished Basement | 565 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| 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 | 160 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T001700473 |
|---|---|
| Street Address | 406 COPPER TREE TRLS |
| City | OFALLON |
| State | MO |
| Zip | 63368 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PERSIMMON HILL VLG LOT 253 |
| Legal Subdivision | PERSIMMON HILL VLG |
| Legal Lot Number | 253 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 311153 |
Source: St. Charles County records · APN T001700473
Assessment roll updated August 13, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 04, 2023 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| May 22, 2026 | Warranty Deed, Transfer · Seller Carry-Back NONE LISTED ON DOCUMENT |
| May 21, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Aug 02, 2021 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on Record |
| Deed Sale | May 22, 2026 · Amount on Record |
| Prior Sale | May 21, 2026 |
| Deed Document Number | 202624138 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Document Number | 0000012529 |
|---|---|
| Date | Apr 04, 2023 |
| Instrument | 2023R-012529 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 06, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 22, 2026 |
| Property Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Document Number | 0000024138 |
| Instrument Date | May 20, 2026 |
| Instrument | 202624138 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Document Number | 0000024163, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202624163 |
| Special Notes | Seller Financed |
|---|
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 01, 2046 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 21, 2026 |
| Property Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Document Number | 0000024009 |
| Instrument Date | May 20, 2026 |
| Instrument | 202624009 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 27 EMIL CT, WASHINGTON, MO 63090-4149 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 02, 2021 |
| Property Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Document Number | 2021R064260 |
| Map Reference | MB 36 PG 202 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 2021R-064260 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 338 ROYAL DORNOCH CT, 338, DARDENNE PRAIRIE, MO 63368-4222 |
| Name | Verified Name |
|---|---|
| Address | 406 COPPER TREE TRL, O FALLON, MO 63368-6338 |
| Document Number | 2021R064261 |
|---|---|
| Date | Aug 02, 2021 |
| Instrument | 2021R-064261 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
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 | $5,848.00 | $88,140 (+12.45%) | $463,894 (+12.45%) Building $463,894 |
| 2023 | $78,382 | ||
| 2022 | $412,535 Land $65,000 Building $347,535 |
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
| 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 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures