440 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 440 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,342 sqft · built 2020
Lot Size	0.127 acres (5,558 sqft)
Owner	2 Trust Names on File
Last Sale	$329,080 (Dec 2020)
Deeds & Mortgages	Mar 2022 Transfer Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T200500386`

Property Details

APN / Parcel Number

Primary APN	`T200500386`
Alternative APN	`5-116B-C828-00-0014.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,342 sqft Living Area
Basement Area	1,342 sqft
Finished Basement	1,006 sqft

Exterior

Year Built	Built 2020
Lot Area	5,558 sqft (0.127 acres)

Location & Zoning

Account Number	T200500386
Street Address	440 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 14
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE PL #7
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2000
Census Tract	310201

Owner

440 Copperfield Ct is owner-occupied and held in a trust since March 2022.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	440 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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 4, 2022	Intrafamily Transfer, Transfer
Dec 16, 2020	Warranty Deed, Subdivision Related Transfer BANK OF SPRINGFIELD
Sep 11, 2020	Warranty Deed, Transfer · Line of Credit SAINT LOUIS BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 16, 2020 · Amount on File
Deed Sale	Dec 16, 2020 · Amount on File
Prior Sale	Dec 16, 2020
Deed Document Number	0000098905
Last Transfer Date	Mar 4, 2022
Transfer Doc	0000012935
Record Updated	Jun 7, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 4, 2022
Property Address	440 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000012935
Map Reference	MB 50 PG 347
Instrument Date	Feb 22, 2022
Instrument	2022R-012935
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	440 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 16, 2020
Property Address	440 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000098905
Instrument Date	Dec 15, 2020
Instrument	98905
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 16, 2021
Title Company	ARC

Transaction

Amount	Amount on Record
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	Married Couple
Address	440 COPPERFIELD CT ST CHARLES MO 633014930, ST CHARLES, MO 63301-4930

Mortgage

Document Number	98906
Date	Dec 16, 2020
Instrument	98906

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62703

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 15, 2035

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 11, 2020
Property Address	440 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000066861
Instrument Date	Sep 8, 2020
Instrument	66861
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	66862
Date	Sep 11, 2020
Instrument	66862

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	$67,270
2022		$354,058 Land $58,334 Building $295,724

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 440 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 440 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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