426 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 426 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,621 sqft · built 2020
Lot Size	0.143 acres (6,220 sqft)
Owner	Company Name on File
Last Sale	$389,900 (Mar 2022)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T200500007`

Property Details

APN / Parcel Number

Primary APN	`T200500007`
Alternative APN	`5-116B-C745-00-0007.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,621 sqft Living Area
Gross Area	2,684 sqft
1st Floor Area	1,344 sqft
Basement Area	1,340 sqft
Finished Basement	1,277 sqft
Unfinished Basement	63 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	6,220 sqft (0.143 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T200500007
Street Address	426 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 7
Legal Subdivision	CHARLESTOWNE PL #2
Legal Lot Number	7
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2000
Census Tract	310201

Owner

426 Copperfield Ct is owned by a company that bought it in March 2022 and is owner-occupied.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Company Name on File
Mailing Address	426 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Mar 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Apr 28, 2020	Warranty Deed, Transfer · Line of Credit SAINT LOUIS BK
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit ST LOUIS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2022 · Amount on File
Deed Sale	Mar 1, 2022 · Amount on File
Prior Sale	Aug 14, 2020 · Amount on File
Deed Document Number	202211717
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2022
Property Address	426 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000011717
Map Reference	MB 50 PG 206
Instrument Date	Feb 16, 2022
Instrument	2022R-011717
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, INVESTORS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29111 HARBOUR VISTA CIR, SAINT AUGUSTINE, FL 32080-5135

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	426 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

Mortgage

Document Number	0000011718
Date	Mar 1, 2022
Instrument	2022R-011718

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2037

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 28, 2020
Property Address	426 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0072800973
Book / Page	007280 / 000973
Instrument Date	Apr 24, 2020
Instrument	265310
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGENCY

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	72800975
Date	Apr 28, 2020
Book Page	007280/000975
Instrument	265320

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	426 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0072331385
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGENCY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0072331385
Date	Feb 19, 2020
Book Page	007233/001385
Instrument	102340

Lender

Name	ST LOUIS BK
Type	Bank
Address	14323 S OUTER FORTY ROAD N TOWER, 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 August 7, 2026

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
2026	$61,080	$321,472 Land $64,751 Building $256,721
2023	$61,777
2022		$325,149 Land $58,334 Building $266,815

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 426 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 426 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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