St. Charles County property record for 445 Copperfield Ct, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,344 sqft · built 2020 |
| Lot Size | 0.114 acres (5,009 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,994 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2020 Sale & Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | T200500400 |
| Primary APN | T200500400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Basement Area | 1,340 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Brick |
| Lot Area | 5,009 sqft (0.114 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T200500400 |
|---|---|
| Street Address | 445 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 28 |
| Legal Range | 05E |
| Legal Township | 47N |
| Legal Subdivision | CHARLESTOWNE PL #7 |
| Legal Lot Number | 28 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | RIVERS |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 310201 |
Source: St. Charles County records · APN T200500400
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 445 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jun 09, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Nov 05, 2020 | Grant Deed, Transfer · Line of Credit SAINT LOUIS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 23, 2024 |
| Deed Sale | Aug 23, 2024 |
| Prior Sale | Aug 23, 2024 |
| Deed Document Number | 0000034305 |
| Last Transfer Date | Jan 13, 2025 |
| Transfer Doc | 0000001357 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 09, 2021 |
| Property Address | 445 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931 |
| Document Number | 0000049300 |
| Map Reference | MB 50 PG 347 |
| Instrument Date | Jun 09, 2021 |
| Instrument | 2021R-049300 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 04, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, 695, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Address | 445 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931 |
| Document Number | 0000049301 |
|---|---|
| Date | Jun 09, 2021 |
| Instrument | 2021R-049301 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 05, 2020 |
| Property Address | 445 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931 |
| Document Number | 0000085389 |
| Instrument Date | Nov 03, 2020 |
| Instrument | 85389 |
| Transaction Type | Transfer |
| Record Updated | Mar 04, 2021 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 695 TRADE CENTER BLVD #200 CHESTERFIELD MO 630051276, 200, CHESTERFIELD, MO 63005-1276 |
| Investor | Possibly a Property Investor |
| Document Number | 85390 |
|---|---|
| Date | Nov 05, 2020 |
| Instrument | 85390 |
| Name | SAINT LOUIS BK |
|---|---|
| Address | LADUE, MO 63124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Orchard Farm R-V School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,994.00 | $59,732 (+1.28%) | $314,380 (+1.28%) Land $64,751 Building $249,629 |
| 2023 | $58,977 | ||
| 2022 | $310,411 Land $58,334 Building $252,077 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833102012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 265 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO6010707, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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