414 Copper Tree Trl, O Fallon, MO 63368 Property Records

St. Charles County property record for 414 Copper Tree Trl, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,306 sqft · built 2001
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Jun 2023)
Tax Bill	$6,007 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001700477`

Property Details

APN / Parcel Number

Primary APN	`T001700477`
Alternative APN	`4-0036-8340-00-0257.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,306 sqft Living Area
1st Floor Area	1,838 sqft
Basement Area	1,468 sqft
Finished Basement	570 sqft
Fireplaces	1 Fireplace
Fireplace	2 Story

Exterior

Year Built	Built 2001
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Patio Area	130 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T001700477
Old Parcel Number	T001700477
Street Address	414 COPPER TREE TRL
City	O FALLON
State	MO
Zip	63368-6338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PERSIMMON HILL VLG LOT 257
Legal Range	02E
Legal Township	46N
Legal Subdivision	PERSIMMON HILL VLG
Legal Lot Number	257
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1030
Census Tract	311153

Owner

Source: St. Charles County assessment roll, as of July 1, 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	414 COPPER TREE TRL, O FALLON, MO 63368-6338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 6, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Oct 12, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 6, 2023 · Amount on Record
Deed Sale	Jun 6, 2023 · Amount on Record
Prior Sale	Oct 12, 2021
Deed Document Number	0202321597
Deed Book / Page	2023 / 21597
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	414 COPPER TREE TRL, O FALLON, MO 63368-6338
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 STARLIGHT LN, MANHATTAN, KS 66503-3121

Mortgage

Document Number	0000028095
Date	Jul 17, 2023
Instrument	2023R-028095

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 6, 2023
Property Address	414 COPPER TREE TRL, O FALLON, MO 63368-6338
Document Number	0000021597
Map Reference	MB 36 PG 202&203
Instrument Date	May 2, 2023
Instrument	2023R-021597
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25 GREENBRIER DR, WESTAMPTON, NJ 08060-4731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 COPPER TREE TRL, O FALLON, MO 63368-6338

Mortgage

Document Number	0000021598
Date	Jun 6, 2023
Instrument	2023R-021598

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 12, 2021
Property Address	414 COPPER TREE TRL, O FALLON, MO 63368-6338
Document Number	0000084570
Map Reference	MB 36 PG 202&203
Instrument Date	Oct 7, 2021
Instrument	2021R-084570
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 COPPER TREE TRL, O FALLON, MO 63368-6338

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 COPPER TREE TRL, O FALLON, MO 63368-6338

Mortgage

Document Number	0000084571
Date	Oct 12, 2021
Instrument	2021R-084571

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,007.00	$90,567 (+6.13%)	$476,667 (+6.13%) Land $80,000 Building $396,667
2023		$85,338
2022			$449,148 Land $65,000 Building $384,148

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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
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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (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: Gateway Fiber Holdings, T-Mobile USA, Verizon.

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