451 Copperfield Ct, Saint Charles, MO 63301 Property Records

St. Charles County property record for 451 Copperfield Ct, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,492 sqft · built 2020
Lot Size	0.116 acres (5,053 sqft)
Owner	Individual Name on Record
Last Sale	$356,032 (Mar 2021)
Tax Bill	$4,304 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`T200500397`

Property Details

APN / Parcel Number

Primary APN	`T200500397`
Alternative APN	`5-116B-C828-00-0025.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,492 sqft Living Area
Basement Area	1,492 sqft
Finished Basement	1,400 sqft

Exterior

Year Built	Built 2020
Exterior Material	Brick
Lot Area	5,053 sqft (0.116 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T200500397
Street Address	451 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 25
Legal Range	05E
Legal Township	47N
Legal Subdivision	CHARLESTOWNE PL #7
Legal Lot Number	25
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
Co-owner	Co-owner on Record
Mailing Address	451 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST
Oct 19, 2020	Deed of Trust, Construction Loan · Line of Credit SAINT LOUIS BK
Sep 25, 2020	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2021 · Amount on Record
Deed Sale	Mar 18, 2021 · Amount on Record
Prior Sale	Sep 25, 2020
Deed Document Number	0202124210
Deed Book / Page	2021 / 24210
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 18, 2021
Property Address	451 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Document Number	0000024210
Map Reference	MB 50 PG 347
Instrument Date	Mar 18, 2021
Instrument	2021R-024210
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
Relationship	Joint Tenants with Right of Survivorship
Address	451 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931

Mortgage

Document Number	0000024211
Date	Mar 18, 2021
Instrument	2021R-024211

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

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

October 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Oct 19, 2020
Property Address	451 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Document Number	0000078896
Instrument Date	Oct 15, 2020
Instrument	78896
Transaction Type	Construction Loan
Record Updated	Jan 26, 2021
Title Company	ARC

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	0000078896
Date	Oct 19, 2020
Instrument	78896

Lender

Name	SAINT LOUIS BK
Address	LADUE, MO 63124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2020
Property Address	451 COPPERFIELD CT, SAINT CHARLES, MO 63301-4931
Document Number	0000071485
Instrument Date	Sep 24, 2020
Instrument	71485
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
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

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	$4,304.00	$65,937 (-7.9%)	$347,039 (-7.9%) Land $64,751 Building $282,288
2023		$71,590
2022			$376,789 Land $58,334 Building $318,455

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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