St. Charles County property record for 164 Bright Gem Dr, Saint Charles, MO 63304 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,436 sqft Living Area |
| Lot Size | 10,454 sqft (0.24 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $256,918 (2024) |
| Tax Bill | $4,646.00 (2025) |
Source: St. Charles County records · APN A973001473
Assessment roll updated August 13, 2025 · Last verified June 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 | 164 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 01, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage STIFEL BANK AND TRUST |
| Apr 04, 2024 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage DAS ACQUISITION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 04, 2024 · Amount on Record |
| Deed Sale | Apr 04, 2024 · Amount on Record |
| Prior Sale | May 07, 2012 |
| Deed Doc Number | 202412662 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 01, 2026 |
| Property Address | 164 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Document Number | 0000025553 |
| Instrument Date | May 26, 2026 |
| Instrument | 202625553 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 164 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Document Number | 0000025553, |
|---|---|
| Date | Jun 01, 2026 |
| Instrument | 202625553 |
| Name | STIFEL BANK AND TRUST |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 04, 2024 |
| Property Address | 164 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Document Number | 0000012662 |
| Map Reference | MB 33 PG 359 |
| Instrument Date | Mar 22, 2024 |
| Instrument | 2024R-012662 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2024 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 BRIGHT GEM DR, SAINT CHARLES, MO 63304-1219 |
| Document Number | 0000012663 |
|---|---|
| Date | Apr 04, 2024 |
| Instrument | 2024R-012663 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2054 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified June 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 | $4,646.00 | $78,389 (+14.4%) | $412,571 (+14.4%) Land $75,000 Building $337,571 |
| 2023 | $68,523 | ||
| 2022 | $360,650 Land $60,000 Building $300,650 |
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 | A973001473 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 4,104 sqft Gross Area |
| 1st Floor | 1,340 sqft 1st Floor |
| Basement Area | 1,288 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 10,454 sqft (0.24 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 380 sqft Garage |
| Patio Area | 80 sqft Patio |
|---|---|
| Porch | Porch |
| Porch Area | 45 sqft Porch |
| Topography | Rolling Topography |
| Heating Fuel | Gas Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A973001473 |
|---|---|
| Street Address | 164 BRIGHT GEM DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1219 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EMERALD PL #3 LOT 340 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 340 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | COTTLEVILLE |
| Census Blockgroup | 2 |
| Census Block | 2048 |
| Census Tract | 311114 |
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