St. Charles County property record for 104 Bright Gem Dr, Saint Charles, MO 63304 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1997 |
| Square Footage | 2,579 sqft Living Area |
| Lot Size | 16,553 sqft (0.38 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $175,664 (1997) |
| Tax Bill | $4,969.00 (2025) |
| Primary APN | A973001454 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 2,579 sqft Living Area |
| Gross Area | 4,430 sqft Gross Area |
| 1st Floor | 2,579 sqft 1st Floor |
| Basement Area | 1,302 sqft Basement |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 16,553 sqft (0.38 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 549 sqft Garage |
| Patio Area | 220 sqft Patio |
|---|---|
| Porch | Open Porch |
| Porch Area | 14 sqft Porch |
| Topography | Rolling Topography |
| Heating Fuel | Gas Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A973001454 |
|---|---|
| Street Address | 104 BRIGHT GEM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1218 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EMERALD PL #3 LOT 321 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 321 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | COTTLEVILLE |
| Census Blockgroup | 2 |
| Census Block | 2048 |
| Census Tract | 311114 |
Source: St. Charles County records · APN A973001454
Assessment roll updated August 7, 2026 · Last verified August 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 | 104 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 26, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Apr 13, 2023 | Beneficiary Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 21, 1997 · Amount on Record |
| Deed Sale | Aug 21, 1997 · Amount on Record |
| Deed Doc Number | 199746703 |
| Deed Book / Page | 1970 / 1394 |
| Last Transfer Date | May 14, 2024 |
| Transfer Doc | 0000018609 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 104 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 104 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Document Number | 0000062468 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 2021R-062468 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 13, 2023 |
| Property Address | 104 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Document Number | 0000014045 |
| Map Reference | MB 33 PG 359 |
| Instrument Date | Apr 06, 2023 |
| Instrument | 2023R-014045 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 104 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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 |
|---|---|---|---|
| 2026 | $83,867 (-) | $441,406 (-) Land $75,000 Building $366,406 | |
| 2025 | $4,969.00 | $83,867 (+13.7%) | $441,406 (+13.7%) Land $75,000 Building $366,406 |
| 2023 | $73,764 | ||
| 2022 | $388,233 Land $60,000 Building $328,233 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 8% of Missouri |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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