St. Charles County property record for 127 Bright Gem Dr, Saint Charles, MO 63304 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,117 sqft Living Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Garage | Attached |
| Last Sale | $430,000 (2025) |
| Tax Bill | $4,092.00 (2025) |
Source: St. Charles County records · APN A973001486
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4618 CROSSHAVEN CT, WELDON SPRING, MO 63304-0501 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 28, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FLAT BRANCH HOME LOANS INC |
| Dec 19, 2017 | Warranty Deed, Transfer · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 25, 2025 · Amount on Record |
| Deed Sale | Apr 25, 2025 · Amount on Record |
| Prior Sale | Dec 19, 2017 |
| Deed Doc Number | 0202516815 |
| Deed Book / Page | 2025 / 16815 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 127 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STELLAR TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0073560549 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 7356/549 |
| Instrument | 20200728000532090 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 19, 2017 |
| Property Address | 127 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Document Number | 0068550251 |
| Book / Page | 006855 / 000251 |
| Instrument Date | Dec 11, 2017 |
| Instrument | 781420 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2018 |
| Title Company | CONTINENTAL |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 127 BRIGHT GEM DR ST CHARLES MO 633041220, ST CHARLES, MO 63304-1220 |
| Document Number | 68550253 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 006855/000253 |
| Instrument | 781430 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 18, 2047 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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 | $4,092.00 | $68,992 (+13.23%) | $363,115 (+13.23%) Land $75,000 Building $288,115 |
| 2023 | $60,930 | ||
| 2022 | $320,686 Land $60,000 Building $260,686 |
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.
| Primary APN | A973001486 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,117 sqft Living Area |
| 1st Floor | 1,156 sqft 1st Floor |
| Basement Area | 1,156 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Other Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 10,890 sqft (0.25 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Patio Area | 150 sqft Patio |
|---|---|
| Porch | 1 Porch |
| Porch Area | 80 sqft Porch |
| Topography | Rolling Topography |
| Account Number | A973001486 |
|---|---|
| Old Parcel Number | A973001486 |
| Street Address | 127 BRIGHT GEM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1220 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EMERALD PL #3 LOT 353 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 353 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | COTTLEVILLE |
| Census Blockgroup | 2 |
| Census Block | 2049 |
| Census Tract | 311114 |
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