518 Copper Meadows Ln, O Fallon, MO 63368 Property Records

St. Charles County property record for 518 Copper Meadows Ln, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,916 sqft · built 2002
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,100 (Jan 2004)
Tax Bill	$3,236 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T021700296`

Property Details

APN / Parcel Number

Primary APN	`T021700296`
Alternative APN	`2-0130-8877-00-0441.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,916 sqft Living Area
Gross Area	2,296 sqft
1st Floor Area	1,148 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	76 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700296
Street Address	518 COPPER MEADOWS LN
City	O FALLON
State	MO
Zip	63368-3995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLEEPY HOLLOW VLG #1 LOT 441
Legal Subdivision	SLEEPY MEADOWS VLG #1
Legal Lot Number	441
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2028
Census Tract	311153

Owner

Source: St. Charles County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	518 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Aug 31, 2017	Deed of Trust, Mortgage THIRD FED'L S&L/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2004 · Amount on Record
Deed Sale	Jan 27, 2004 · Amount on Record
Prior Sale	Jan 27, 2004 · Amount on Record
Deed Document Number	200476990
Deed Book / Page	3768 / 1414
Last Transfer Date	Feb 11, 2008
Transfer Doc	0049300733
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	518 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 COPPER MEADOWS LN, O FALLON, MO 63368-3995

Mortgage

Document Number	2021R014415
Date	Feb 18, 2021
Instrument	2021R-014415

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	518 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Document Number	0068382344
Book / Page	006838 / 002344
Instrument Date	Aug 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	OPTIMA LENDERS SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	518 COPPER MEADOWS LN O FALLON MO 633683995, O FALLON, MO 63368-3995

Mortgage

Document Number	0068382344
Date	Nov 15, 2017
Book Page	006838/002344
Instrument	712350

Lender

Name	THIRD FED'L S&L/CLEVELAND
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.14%

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$51,713 (-)	$272,176 (-) Land $42,426 Building $229,750
2025	$3,236.00 (+1.86%)	$51,713 (+4.92%)	$272,176 (+4.92%) Land $42,426 Building $229,750
2024	$3,177.00
2023		$49,289
2022			$259,414 Land $27,000 Building $232,414

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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