St. Charles County property record for 148 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 | 2,141 sqft Living Area |
| Lot Size | 10,019 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $140,234 (1997) |
| Tax Bill | $4,155.00 (2025) |
Source: St. Charles County records · APN A973001463
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 | 148 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 09, 1997 · Amount on Record |
| Deed Sale | Dec 09, 1997 · Amount on Record |
| Deed Doc Number | 199770055 |
| Deed Book / Page | 2007 / 26 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 148 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 148 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1218 |
| Document Number | 0000008070 |
|---|---|
| Date | Mar 06, 2023 |
| Instrument | 2023R-008070 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 09, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $70,061 (-) | $368,741 (-) Land $75,000 Building $293,741 | |
| 2025 | $4,155.00 | $70,061 (+13.15%) | $368,741 (+13.15%) Land $75,000 Building $293,741 |
| 2023 | $61,916 | ||
| 2022 | $325,875 Land $60,000 Building $265,875 |
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
| 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 | A973001463 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,141 sqft Living Area |
| Gross Area | 3,717 sqft Gross Area |
| 1st Floor | 1,180 sqft 1st Floor |
| Basement Area | 1,156 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 10,019 sqft (0.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Patio Area | 80 sqft Patio |
|---|---|
| Porch | Open Porch |
| Porch Area | 80 sqft Porch |
| Topography | Rolling Topography |
| Heating Fuel | Gas Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A973001463 |
|---|---|
| Street Address | 148 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 330 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 330 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | COTTLEVILLE |
| Census Blockgroup | 2 |
| Census Block | 2048 |
| Census Tract | 311114 |
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