446 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 446 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,716 sqft · built 2020
Lot Size	0.122 acres (5,336 sqft)
Owner	Individual Name on File
Last Sale	$381,459 (Apr 2021)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T200500389`

Property Details

APN / Parcel Number

Primary APN	`T200500389`
Alternative APN	`5-116B-C828-00-0017.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
Basement Area	1,712 sqft
Finished Basement	1,200 sqft

Exterior

Year Built	Built 2020
Lot Area	5,336 sqft (0.122 acres)

Location & Zoning

Account Number	T200500389
Street Address	446 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 17
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE PL #7
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	RIVERS
Census Block Group	2
Census Block	2000
Census Tract	310201

Owner

Source: St. Charles County assessment roll, as of July 1, 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	446 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage US BANK NA
Apr 29, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage US BANK NA
Oct 19, 2020	Warranty Deed, Transfer · Line of Credit ST LOUIS BANK
Jul 30, 2020	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 29, 2021 · Amount on Record
Deed Sale	Apr 29, 2021 · Amount on Record
Prior Sale	Oct 19, 2020
Deed Document Number	0202137676
Deed Book / Page	2021 / 37676
Record Updated	Jun 7, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	446 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

Mortgage

Document Number	0000002963
Date	Jan 13, 2022
Instrument	2022R-002963

Lender

Name	US BANK NA
Type	Bank
Address	COLUMBUS, OH 43201

Agreement

Amount	Amount Recorded

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 29, 2021
Property Address	446 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000037676
Map Reference	MB 50 PG 347
Instrument Date	Apr 29, 2021
Instrument	2021R-037676
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, 695, CHESTERFIELD, MO 63005-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930

Mortgage

Document Number	0000037677
Date	Apr 29, 2021
Instrument	2021R-037677

Lender

Name	US BANK NA
Type	Bank

Agreement

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

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 19, 2020
Property Address	446 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0000078906
Map Reference	MB 50 PG 347
Instrument Date	Oct 15, 2020
Instrument	2020R-078906
Transaction Type	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, 695, CHESTERFIELD, MO 63005-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 TRADE CENTER BLVD STE 200, 200, CHESTERFIELD, MO 63005-1276
Investor	Possibly a Property Investor

Mortgage

Document Number	0000078907
Date	Oct 19, 2020
Instrument	2020R-078907

Lender

Name	ST LOUIS BANK
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2020
Property Address	446 COPPERFIELD CT, SAINT CHARLES, MO 63301-4930
Document Number	0073582316
Book / Page	007358 / 002316
Instrument Date	Jul 28, 2020
Instrument	541020
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	OTHER

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 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	$76,282
2022		$401,486 Land $58,334 Building $343,152

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

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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

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