132 Bright Gem Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 132 Bright Gem Dr, Saint Charles, MO 63304 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 1998
Square Footage	2,998 sqft Living Area
Lot Size	10,454 sqft (0.24 acres)
Occupancy	Owner Occupied
Last Sale	$292,500 (2020)
Tax Bill	$4,857.00 (2024)

Owner

Source: St. Charles County records · APN A973001459

Assessment roll updated August 13, 2025 · Last verified April 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	132 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 27, 2020 · Amount on Record
Deed Sale	Mar 27, 2020 · Amount on Record
Prior Sale	May 22, 2003 · Amount on Record
Deed Doc Number	2020191420
Deed Book / Page	7257 / 1780
Prior Transfer Date	Mar 20, 2020
Prior Transfer Doc	0072571780
Record Refreshed	Jun 08, 2026

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 27, 2020
Property Address	132 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218
Document Number	0072571780
Book / Page	7257 / 1780
Map Reference	MB 33 PG 359-362
Instrument Date	Mar 20, 2020
Instrument	20200327000191420
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218

Mortgage

Document Number	20200327000191430
Date	Mar 27, 2020
Instrument	20200327000191430

Lender

Name	TRUSTED FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III 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	$5,409.00 (+11.37%)	$91,344 (+12.14%)	$480,759 (+12.14%) Land $75,000 Building $405,759
2024	$4,857.00
2023		$81,454
2022			$428,706 Land $60,000 Building $368,706

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`A973001459`
Alternative APN	`3-0112-7636-00-0326.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	2,998 sqft Living Area
Gross Area	4,732 sqft Gross Area
1st Floor	1,762 sqft 1st Floor
Basement Area	1,236 sqft Basement
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

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	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	498 sqft Garage

Exterior Amenities

Deck Area	Deck Area
Patio Area	234 sqft Patio
Porch	Porch
Topography	Rolling Topography

Utilities and HVAC

Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	A973001459
Street Address	132 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 326
Legal Subdivision	EMERALD PL #3
Legal Lot Number	326
Jurisdiction	ST CHARLES MO
Minor Civil Division	COTTLEVILLE
Census Blockgroup	2
Census Block	2048
Census Tract	311114