St. Charles County property record for 128 Bright Gem Dr, Saint Charles, MO 63304 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,542 sqft · built 1998 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $177,763 (Jan 1999) |
| Tax Bill | $4,911 (2025) |
| Deeds & Mortgages | Mar 2020 Line of Credit Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001458 |
| Primary APN | A973001458 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,542 sqft Living Area |
| Gross Area | 4,300 sqft |
| 1st Floor Area | 2,542 sqft |
| Basement Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,454 sqft (0.24 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 498 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 14 sqft |
| Patio Area | 200 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973001458 |
|---|---|
| Street Address | 128 BRIGHT GEM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD PL #3 LOT 325 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 325 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 311114 |
Source: St. Charles County records · APN A973001458
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 128 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2020 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Oct 10, 2019 | Deed of Trust, Mortgage FIRST ST BK/ST CHARLES |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 11, 1999 · Amount on Record |
| Deed Sale | Jan 11, 1999 · Amount on Record |
| Deed Document Number | 19992619 |
| Deed Book / Page | 2188 / 991 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 128 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0072520475 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 7252/475 |
| Instrument | 20200320000171070 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 01, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 128 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Document Number | 0071661511 |
| Instrument Date | Oct 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 128 BRIGHT GEM DR ST CHARLES MO 633041218, ST CHARLES, MO 63304-1218 |
| Document Number | 0071661511 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 007166/001511 |
| Instrument | 593230 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Oct 21, 2034 |
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 | $82,888 (-) | $436,255 (-) Land $75,000 Building $361,255 | |
| 2025 | $4,911.00 | $82,888 (+13.76%) | $436,255 (+13.76%) Land $75,000 Building $361,255 |
| 2023 | $72,865 | ||
| 2022 | $383,501 Land $60,000 Building $323,501 |
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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