St. Charles County property record for 163 Bright Gem Dr, Saint Charles, MO 63304 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,636 sqft · built 1998 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,000 (Apr 2008) |
| Tax Bill | $4,187 (2024) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001481 |
| Primary APN | A973001481 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,636 sqft Living Area |
| Gross Area | 3,878 sqft |
| 1st Floor Area | 1,774 sqft |
| Basement Area | 1,724 sqft |
| Finished Basement | 862 sqft |
| Unfinished Basement | 862 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,890 sqft (0.25 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 202 sqft |
| Patio Area | 80 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973001481 |
|---|---|
| Street Address | 163 BRIGHT GEM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EMERALD PL #3 LOT 348 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 348 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2049 |
| Census Tract | 311114 |
Source: St. Charles County records · APN A973001481
Assessment roll updated August 13, 2025 · Last verified July 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 | 163 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Mar 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 24, 2008 · Amount on Record |
| Deed Sale | Apr 24, 2008 · Amount on Record |
| Prior Sale | Sep 18, 2003 · Amount on Record |
| Deed Document Number | 2008299310 |
| Deed Book / Page | 4975 / 1013 |
| Last Transfer Date | Mar 29, 2011 |
| Transfer Doc | 0055700274 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 17, 2026 |
| Property Address | 163 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Document Number | 0000028380 |
| Instrument Date | Jun 09, 2026 |
| Instrument | 202628380 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 163 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Document Number | 0000028380, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202628380 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jul 01, 2066 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 163 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 163 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1220 |
| Document Number | 2021R018645 |
|---|---|
| Date | Mar 03, 2021 |
| Instrument | 2021R-018645 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 01, 2051 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 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 | $78,580 (+12.01%) | $413,582 (+12.01%) Land $75,000 Building $338,582 | |
| 2024 | $4,187.00 | ||
| 2023 | $70,155 | ||
| 2022 | $369,237 Land $60,000 Building $309,237 |
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.
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