St. Charles County property record for 151 Bright Gem Dr, Saint Charles, MO 63304 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 1998 |
| Square Footage | 3,090 sqft Living Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Garage | Attached, 420 sqft |
| Last Sale | $591,850 (2024) |
| Tax Bill | $3,992.00 (2024) |
Source: St. Charles County records · APN A973001484
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 | Company Name on File |
|---|---|
| Mailing Address | 151 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Dec 11, 2023 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Oct 10, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO |
| Oct 10, 2019 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Jul 18, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 25, 2024 · Amount on Record |
| Deed Sale | Jul 25, 2024 · Amount on Record |
| Prior Sale | Jul 18, 2017 · Amount on Record |
| Deed Doc Number | 202429602 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 151 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 151 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Investor | Possibly a Property Investor |
| Document Number | 0000050201 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 2023R-050201 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 151 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0071601452 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 7160/1452 |
| Instrument | 20191010000570120 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Lending Institution |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 151 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0071601469 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 7160/1469 |
| Instrument | 20191010000570130 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 01, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 18, 2017 |
| Property Address | 151 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Document Number | 0067761769 |
| Book / Page | 6776 / 1769 |
| Map Reference | MB 33 PG 359 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 20170718000442400 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 345 RIDGEMEADOW DR, 345, CHESTERFIELD, MO 63017-3031 |
| Name | Verified Name |
|---|---|
| Address | 151 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Investor | Possibly a Property Investor |
| Document Number | , 20170718000442410 |
|---|---|
| Date | Jul 18, 2017 |
| Instrument | 20170718000442410 |
| Type | Lending Institution |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 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 | $4,515.00 (+13.1%) | $76,172 (+14.29%) | $400,904 (+14.29%) Land $75,000 Building $325,904 |
| 2024 | $3,992.00 | ||
| 2023 | $66,649 | ||
| 2022 | $350,784 Land $60,000 Building $290,784 |
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 | A973001484 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 3,090 sqft Living Area |
| Gross Area | 3,622 sqft Gross Area |
| 1st Floor | 1,136 sqft 1st Floor |
| Basement Area | 1,112 sqft Basement |
| Finished Basement | 1,000 sqft Finished |
| Unfinished Basement | 112 sqft Unfinished |
| 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 | 10,890 sqft (0.25 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Patio Area | 80 sqft Patio |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 420 sqft Porch |
| Topography | Rolling Topography |
| Heating Fuel | Gas Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A973001484 |
|---|---|
| Street Address | 151 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 351 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 351 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | COTTLEVILLE |
| Census Blockgroup | 2 |
| Census Block | 2049 |
| Census Tract | 311114 |
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