433 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 433 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,502 sqft · built 2020
Lot Size	0.114 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$264,776 (Mar 2021)
Tax Bill	$4,340 (2025)
Deeds & Mortgages	May 2023 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T200500406`

Property Details

APN / Parcel Number

Primary APN	`T200500406`
Alternative APN	`5-116B-C828-00-0034.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,502 sqft Living Area
Basement Area	1,502 sqft
Finished Basement	1,427 sqft

Exterior

Year Built	Built 2020
Exterior Material	Brick
Lot Area	5,009 sqft (0.114 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T200500406
Street Address	433 COPPERFIELD CT
City	SAINT CHARLES
State	MO
Zip	63301-4931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHARLESTOWNE PL #7 LOT 34
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE PL #7
Legal Lot Number	34
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 March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	433 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage VANTAGE CU
Mar 1, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE SOLUTIONS LLC
Nov 5, 2020	Warranty Deed, Transfer · Line of Credit SAINT LOUIS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2021 · Amount on Record
Deed Sale	Mar 1, 2021 · Amount on Record
Prior Sale	Nov 5, 2020
Deed Document Number	0202117394
Deed Book / Page	2021 / 17394
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	433 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931

Mortgage

Document Number	0000020408
Date	May 30, 2023
Instrument	2023R-020408

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Amount	Amount Recorded
Term	72 Months
Due	May 22, 2029

March 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2021
Property Address	433 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Document Number	0000017394
Map Reference	MB 50 PG 347
Instrument Date	Feb 26, 2021
Instrument	2021R-017394
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022

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	433 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931

Mortgage

Document Number	0000017395
Date	Mar 1, 2021
Instrument	2021R-017395

Lender

Name	MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 5, 2020
Property Address	433 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Document Number	0000085385
Instrument Date	Nov 3, 2020
Instrument	85385
Transaction Type	Transfer
Record Updated	Feb 23, 2021
Title Company	ARC

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	85386
Date	Nov 5, 2020
Instrument	85386

Lender

Name	SAINT LOUIS BK
Address	LAUDE, MO 63124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	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
2025	$4,340.00	$66,499 (+24.9%)	$349,995 (+24.9%) Land $64,751 Building $285,244
2023		$53,240
2022			$280,213 Land $58,334 Building $221,879

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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