St. Charles County property record for 159 Bright Gem Dr, Saint Charles, MO 63304 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 1,976 sqft Living Area |
| Lot Size | 10,454 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $255,500 (2018) |
| Tax Bill | $4,740.00 (2025) |
Source: St. Charles County records · APN A973001482
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 | 159 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP |
| Nov 12, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 21, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 21, 2018 · Amount on Record |
| Deed Sale | Sep 21, 2018 · Amount on Record |
| Prior Sale | May 20, 1999 |
| Deed Doc Number | 0006980946 |
| Deed Book / Page | 6980 / 946 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 159 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | FREEDOM TITLE |
| Name | Verified Name |
|---|
| Document Number | 2021R031119 |
|---|---|
| Date | Apr 09, 2021 |
| Instrument | 2021R-031119 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 159 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071800922 |
|---|---|
| Date | Nov 12, 2019 |
| Book Page | 7180/0922 |
| Instrument | 20191112000646430 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 21, 2018 |
| Property Address | 159 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Document Number | 0069800946 |
| Book / Page | 6980 / 0946 |
| Map Reference | MB 33 PG 359 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 20180921000543350 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 159 BRIGHT GEM DR, 159, SAINT CHARLES, MO 63304-1220 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 159 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Document Number | 20180921000543360 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | 20180921000543360 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
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 | $4,740.00 | $79,981 (+10.81%) | $420,955 (+10.81%) Land $75,000 Building $345,955 |
| 2023 | $72,180 | ||
| 2022 | $379,895 Land $60,000 Building $319,895 |
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 | A973001482 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,976 sqft Living Area |
| 1st Floor | 1,836 sqft 1st Floor |
| Basement Area | 1,784 sqft Basement |
| Finished Basement | 900 sqft Finished |
| Stories | 1 Stories |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Ranch Style |
| Exterior Material | Composition/Composite Exterior |
| Lot Area | 10,454 sqft (0.239 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Patio Area | 466 sqft Patio |
|---|---|
| Porch | 1 Porch |
| Porch Area | 225 sqft Porch |
| Topography | Rolling Topography |
| Sewage | Sewage Connected |
|---|---|
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A973001482 |
|---|---|
| Old Parcel Number | A973001482 |
| Street Address | 159 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 349 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 349 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | COTTLEVILLE |
| Census Blockgroup | 2 |
| Census Block | 2049 |
| Census Tract | 311114 |
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