St. Charles County property record for 120 Bright Gem Dr, Saint Charles, MO 63304 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1998 |
| Square Footage | 2,523 sqft Living Area |
| Lot Size | 10,454 sqft (0.24 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $168,000 (2001) |
| Tax Bill | $4,441.00 (2024) |
| Primary APN | A973001456 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,523 sqft Living Area |
| Gross Area | 4,262 sqft Gross Area |
| 1st Floor | 1,407 sqft 1st Floor |
| Basement Area | 1,359 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 10,454 sqft (0.24 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 380 sqft Garage |
| Patio Area | 100 sqft Patio |
|---|---|
| Porch | Open Porch |
| Porch Area | 35 sqft Porch |
| Topography | Rolling Topography |
| Heating Fuel | Gas Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A973001456 |
|---|---|
| Street Address | 120 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 323 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 323 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | COTTLEVILLE |
| Census Blockgroup | 2 |
| Census Block | 2048 |
| Census Tract | 311114 |
Source: St. Charles County records · APN A973001456
Assessment roll updated August 13, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 120 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 30, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| May 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 02, 2001 · Amount on Record |
| Deed Sale | May 02, 2001 · Amount on Record |
| Prior Sale | Apr 09, 1999 · Amount on Record |
| Deed Doc Number | 200133744 |
| Deed Book / Page | 2559 / 1699 |
| Last Transfer Date | Mar 05, 2026 |
| Transfer Doc | 0000020080 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 30, 2026 |
| Property Address | 120 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Document Number | 0000020080 |
| Instrument Date | Mar 05, 2026 |
| Instrument | 202620080 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 120 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 120 BRIGHT GEM DRIVE, SAINT CHARLES, MI 48501 |
| Document Number | 2021R039055 |
|---|---|
| Date | May 04, 2021 |
| Instrument | 2021R-039055 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 01, 2036 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified May 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 |
|---|---|---|---|
| 2025 | $4,973.00 (+11.98%) | $83,948 (+12.78%) | $441,833 (+12.78%) Land $75,000 Building $366,833 |
| 2024 | $4,441.00 | ||
| 2023 | $74,432 | ||
| 2022 | $391,749 Land $60,000 Building $331,749 |
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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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