St. Charles County property record for 162 Bright Gem Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,534 sqft · built 1960 |
| Lot Size | 1.38 acres (60,548 sqft) |
| Owner | Individual Name on File |
| Last Sale | $189,000 (May 2014) |
| Tax Bill | $3,198 (2025) |
| Deeds & Mortgages | Mar 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 554850A000 |
| Primary APN | 554850A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,534 sqft Living Area |
| Gross Area | 2,816 sqft |
| 1st Floor Area | 1,408 sqft |
| Basement Area | 1,408 sqft |
| Finished Basement | 1,126 sqft |
| Unfinished Basement | 282 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 60,548 sqft |
| Terrain | Rolling |
| Garage Type | Detached |
| Garage Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 100 sqft |
| Deck Area | Deck Area |
| Patio Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 554850A000 |
|---|---|
| Street Address | 162 BRIGHT GEM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PT SUR 948 & 20 RDWY |
| Legal Subdivision | US SURV 948 |
| Legal Lot Number | 25 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 311114 |
Source: St. Charles County assessment roll, as of August 7, 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 |
|---|---|
| Mailing Address | 162 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 8, 2014 · Amount on Record |
| Deed Sale | May 8, 2014 · Amount on Record |
| Prior Sale | Oct 16, 2007 · Amount on Record |
| Deed Document Number | 201423482 |
| Deed Book / Page | 6184 / 1803 |
| Last Transfer Date | Mar 16, 2023 |
| Transfer Doc | 0000010335 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 20, 2023 |
| Property Address | 162 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Document Number | 0000010335 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 2023R-010335 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 162 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 162 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $53,812 (-) | $283,219 (-) Land $45,870 Building $237,349 | |
| 2025 | $3,198.00 | $53,812 (+3.49%) | $283,219 (+3.49%) Land $45,870 Building $237,349 |
| 2023 | $51,996 | ||
| 2022 | $273,658 Land $41,700 Building $231,958 |
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.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1993) |
| Most Recent Claim | Jul 1993 · Severe Storms & Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: WH i3B Bidco LLC/WH i3B Topco, Wisper ISP.
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