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

St. Charles County property record for 522 Copper Meadows Ln, O Fallon, MO 63368 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,352 sqft · built 2002
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$204,900 (Aug 2016)
Tax Bill	$4,081 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T021700298`

Property Details

APN / Parcel Number

Primary APN	`T021700298`
Alternative APN	`2-0130-8877-00-0443.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
1st Floor Area	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 2002
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T021700298
Old Parcel Number	T021700298
Street Address	522 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 443
Legal Range	02E
Legal Township	46N
Legal Subdivision	SLEEPY MEADOWS VLG #1
Legal Lot Number	443
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2028
Census Tract	311153

Owner

Source: St. Charles County records · APN T021700298

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	Individual Name on File
Mailing Address	522 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CREDIT UNION
Aug 16, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 26, 2019	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Jan 20, 2021	Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 23, 2016 · Amount on Record
Deed Sale	Aug 23, 2016 · Amount on Record
Prior Sale	Mar 16, 2012 · Amount on Record
Deed Document Number	0000659818
Deed Book / Page	6598 / 18
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 16, 2026
Property Address	522 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Document Number	0000033466
Instrument Date	Jun 24, 2026
Instrument	202633466
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 COPPER MEADOWS LN, O FALLON, MO 63368-3995

Mortgage

Document Number	0000033466,
Date	Jul 16, 2026
Instrument	202633466

Lender

Name	WEST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 01, 2046

Interest

Rate	6.53%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	522 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 COPPER MEADOWS LN, O FALLON, MO 63368-3995

Mortgage

Document Number	0000045350
Date	Aug 16, 2022
Instrument	2022R-045350

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Feb 01, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	522 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070400489
Date	Feb 26, 2019
Book Page	7040/0489
Instrument	20190226000085920

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 01, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	522 COPPER MEADOWS LN, O FALLON, MO 63368-3995
Document Number	0000009090
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	Apr 05, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 COPPER MEADOWS LN O FALLON MO 633683995, O FALLON, MO 63368-3995

Mortgage

Document Number	0000009090
Date	Jan 29, 2021
Instrument	9090

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2051

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,081.00	$65,396 (+12.64%)	$344,188 (+12.64%) Land $42,426 Building $301,762
2023		$58,057
2022			$305,562 Land $27,000 Building $278,562

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833111532, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 394 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WH i3B Bidco LLC/WH i3B Topco	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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