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449 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 449 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 2,704 sqft · built 2021
Lot Size0.115 acres (5,001 sqft)
Owner2 Individual Names on Record
Last Sale$335,445 (Jun 2021)
Deeds & MortgagesJun 2021 Mortgage
Oct 2020 Line of Credit
Flood ZoneZone X (moderate risk)
APNT200500398

Property Details

APN / Parcel Number

Primary APNT200500398
Alternative APN
  • 5-116B-C828-00-0026.0000000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area2,704 sqft Living Area
Gross Area3,004 sqft
1st Floor Area1,504 sqft
Basement Area1,500 sqft
Finished Basement1,200 sqft
Unfinished Basement300 sqft

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleRanch
Exterior MaterialBrick
Lot Area5,001 sqft (0.115 acres)
Parking Spaces2 Parking Spaces

Location & Zoning

Account NumberT200500398
Street Address449 COPPERFIELD CT
CitySAINT CHARLES
StateMO
Zip63301-4931
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCHARLESTOWNE PL #7 LOT 26
Legal SubdivisionCHARLESTOWNE PL #7
Legal Lot Number26
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 Address449 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 25, 2021Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Oct 19, 2020Grant Deed, Construction Loan · Line of Credit
SAINT LOUIS BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 25, 2021 · Amount on Record
Deed SaleJun 25, 2021 · Amount on Record
Prior SaleOct 19, 2020 · Amount on Record
Deed Document Number202153639
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJun 25, 2021
Property Address449 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Document Number0000053639
Map ReferenceMB 50 PG 347
Instrument DateJun 24, 2021
Instrument2021R-053639
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 4, 2022

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address695 TRADE CENTER BLVD, 695, CHESTERFIELD, MO 63005-1228

Transferred To (Grantee/Buyer)

NameVerified Name
Address449 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931

Mortgage

Document Number0000053640
DateJun 25, 2021
Instrument2021R-053640
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

October 2020: Grant Deed, Construction Loan

Document TypeGrant Deed
JurisdictionST CHARLES MO
Recording DateOct 19, 2020
Property Address449 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Document Number0000078882
Instrument DateOct 15, 2020
Instrument78882
Transaction TypeConstruction Loan
Record UpdatedJan 28, 2021
Title CompanyOTHER

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 Number78883
DateOct 19, 2020
Instrument78883
Lender
NameSAINT LOUIS BK
AddressLADUE, MO 63124
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

YearAssessed ValueAssessed Market Value
2026$66,432 (+0.14%)$349,641 (+0.14%) Land $64,751 Building $284,890
2023$66,340
2022$349,165 Land $58,334 Building $290,831

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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