424 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 424 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,364 sqft · built 2020
Lot Size	0.14 acres (6,111 sqft)
Owner	Individual Name on File
Last Sale	$258,411 (Jan 2021)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T200500006`

Property Details

APN / Parcel Number

Primary APN	`T200500006`
Alternative APN	`5-116B-C745-00-0006.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,364 sqft Living Area
Basement Area	1,364 sqft
Finished Basement	680 sqft

Exterior

Year Built	Built 2020
Exterior Material	Brick Veneer
Lot Area	6,111 sqft (0.14 acres)

Location & Zoning

Account Number	T200500006
Street Address	424 COPPERFIELD CT
City	SAINT CHARLES
State	MO
Zip	63301-4930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE PL #2 LOT 6
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE PL #2
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2000
Census Tract	310201

Owner

424 Copperfield Ct is owned and occupied by an individual who bought it in January 2021.

Source: St. Charles County records, as of October 19, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
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
Aug 9, 2023	Deed of Trust, Mortgage ALLTRU FCU
Feb 22, 2022	Deed of Trust, Mortgage · Line of Credit ALLTRU FCU
Jan 12, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Sep 11, 2020	Warranty Deed, Transfer · Line of Credit SAINT LOUIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2021 · Amount on File
Deed Sale	Jan 12, 2021 · Amount on File
Prior Sale	Sep 11, 2020
Deed Document Number	0020213392
Deed Book / Page	2021 / 3392
Record Updated	Jun 7, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

Mortgage

Document Number	0000031949
Date	Aug 9, 2023
Instrument	2023R-031949

Lender

Name	ALLTRU FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Amount	Amount on Record
Term	179 Months
Due	Jul 26, 2038

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

Mortgage

Document Number	0000010123
Date	Feb 22, 2022
Instrument	2022R-010123

Lender

Name	ALLTRU FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 22, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 12, 2021
Property Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000003392
Map Reference	MB 50 PG 206
Instrument Date	Jan 11, 2021
Instrument	2021R-003392
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	695 TRADE CENTER BLVD # BLVD200, 695, CHESTERFIELD, MO 63005-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

Mortgage

Document Number	0000003393
Date	Jan 12, 2021
Instrument	2021R-003393

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 11, 2020
Property Address	424 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000066777
Instrument Date	Sep 8, 2020
Instrument	66777
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	695 TRADE CENTER BLVD #200 CHESTERFIELD MO 630051276, 200, CHESTERFIELD, MO 63005-1276
Investor	Possibly a Property Investor

Mortgage

Document Number	66778
Date	Sep 11, 2020
Instrument	66778

Lender

Name	SAINT LOUIS BK
Address	TOWN AND COUNTRY, MO 63017

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Orchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$59,247
2022		$311,827 Land $58,334 Building $253,493

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 424 Copperfield Ct in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 2021.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 81 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	81 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Sep 2021 · 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

The area around 424 Copperfield Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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