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432 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 432 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,660 sqft · built 2020
Lot Size0.135 acres (5,859 sqft)
Owner2 Individual Names on Record
Last Sale$340,000 (Mar 2025)
Tax Bill$5,266 (2025)
Deeds & MortgagesSep 2020 Sale
May 2020 Line of Credit
Flood ZoneZone X (moderate risk)
APNT200500382

Property Details

APN / Parcel Number

Primary APNT200500382
Alternative APN
  • 5-116B-C828-00-0010.0000000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories2 Stories
Building Area1,660 sqft Living Area
Gross Area2,356 sqft
1st Floor Area964 sqft
Basement Area696 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleBi-Level
Exterior MaterialBrick/Stone
Lot Area5,859 sqft (0.135 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Account NumberT200500382
Street Address432 COPPERFIELD CT
CitySAINT CHARLES
StateMO
Zip63301-4930
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHARLESTOWNE PL #7 LOT 10
Legal SubdivisionCHARLESTOWNE PL #7
Legal Lot Number10
JurisdictionST CHARLES MO
Township / Civil DivisionRIVERS
Census Block Group2
Census Block2000
Census Tract310201

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 Record2 Individual Names on Record
Mailing Address432 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Sep 18, 2020Warranty Deed, Subdivision Related Transfer
NOT AVAILABLE
May 18, 2020Warranty Deed, Transfer · Line of Credit
SAINT LOUIS BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 5, 2025 · Amount on Record
Deed SaleMar 5, 2025 · Amount on Record
Prior SaleSep 18, 2020 · Amount on Record
Deed Document Number20258658
Record UpdatedOct 29, 2026

September 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateSep 18, 2020
Property Address432 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number0000069229
Instrument DateSep 17, 2020
Instrument69229
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 4, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address432 COPPERFIELD CT ST CHARLES MO 633014930, ST CHARLES, MO 63301-4930

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 18, 2020
Property Address432 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number0072961942
Book / Page007296 / 001942
Instrument DateMay 14, 2020
Instrument317900
Transaction TypeTransfer
Record UpdatedAug 17, 2020
Title CompanyARC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address695 TRADE CENTER BLVD #200 CHESTERFIELD MO 630051276, 200, CHESTERFIELD, MO 63005-1276
InvestorPossibly a Property Investor

Mortgage

Document Number72961944
DateMay 18, 2020
Book Page007296/001944
Instrument317910
Lender
NameSAINT LOUIS BK
AddressTOWN AND COUNTRY, MO 63017
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictOrchard Farm R-V School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$61,014 (-)$321,124 (-) Land $64,751 Building $256,373
2025$5,266.00 (+61.14%)$61,014 (+25.57%)$321,124 (+25.57%) Land $64,751 Building $256,373
2024$3,268.00
2023$48,589
2022$255,738 Land $58,334 Building $197,404

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 81 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies81 in force
Nearby Flood Claims1 (2021)
Most Recent ClaimSep 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 RiskNot 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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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