428 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 428 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,790 sqft · built 2020
Lot Size	0.146 acres (6,377 sqft)
Owner	2 Individual Names on Record
Last Sale	$348,000 (Oct 2024)
Tax Bill	$5,561 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T200500380`

Property Details

APN / Parcel Number

Primary APN	`T200500380`
Alternative APN	`5-116B-C828-00-0008.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,790 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,250 sqft
Basement Area	982 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	6,377 sqft (0.146 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T200500380
Street Address	428 COPPERFIELD CT
City	SAINT CHARLES
State	MO
Zip	63301-4930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE PL #7 LOT 8
Legal Subdivision	CHARLESTOWNE PL #7
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2000
Census Tract	310201

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	428 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 31, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CENTRAL BK/ST LOUIS
Sep 11, 2020	Warranty Deed, Transfer · Line of Credit SAINT LOUIS BK
Jan 14, 2020	Quit Claim Deed, Transfer ARC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2024 · Amount on Record
Deed Sale	Oct 31, 2024 · Amount on Record
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	202445613
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	428 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

Mortgage

Document Number	0000087241
Date	Oct 21, 2021
Instrument	2021R-087241

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 31, 2020
Property Address	428 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000103644
Instrument Date	Dec 30, 2020
Instrument	103644
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 23, 2021
Title Company	ARC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 COPPERFIELD CT ST CHARLES MO 633014930, ST CHARLES, MO 63301-4930

Mortgage

Document Number	103645
Date	Dec 31, 2020
Instrument	103645

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 11, 2020
Property Address	428 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000066864
Instrument Date	Sep 8, 2020
Instrument	66864
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	66865
Date	Sep 11, 2020
Instrument	66865

Lender

Name	SAINT LOUIS BK
Address	TOWN AND COUNTRY, MO 63017

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 14, 2020
Property Address	428 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0072152396
Book / Page	007215 / 002396
Instrument Date	Jan 13, 2020
Instrument	27300
Transaction Type	Transfer
Record Updated	Aug 17, 2020
Title Company	ARC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

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

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$65,103 (-)	$342,648 (-) Land $64,751 Building $277,897
2025	$5,561.00 (+54.09%)	$65,103 (+21.22%)	$342,648 (+21.22%) Land $64,751 Building $277,897
2024	$3,609.00
2023		$53,707
2022			$282,670 Land $58,334 Building $224,336

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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