301 Emerald Estates Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 301 Emerald Estates Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,225 sqft · built 2014
Lot Size	0.383 acres (16,683 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jan 2017)
Tax Bill	$5,999 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T151500001`

Property Details

APN / Parcel Number

Primary APN	`T151500001`
Alternative APN	`3-0112-C077-00-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,225 sqft Living Area
Gross Area	5,012 sqft
1st Floor Area	2,225 sqft
Basement Area	2,178 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	16,683 sqft (0.383 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T151500001
Street Address	301 EMERALD ESTATES CT
City	SAINT CHARLES
State	MO
Zip	63304-4507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESTS AT EMERALD PL LOT 1
Legal Subdivision	ESTS AT EMERALD PL
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2051
Census Tract	311114

Owner

Source: St. Charles County records, 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 Record
Mailing Address	301 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2020	Deed of Trust, Mortgage CIITZENS NAT'L BK/GRTR ST LOUI
Jan 25, 2017	Warranty Deed, Subdivision Related Transfer · Line of Credit ELECTRO SAVINGS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2017 · Amount on Record
Deed Sale	Jan 25, 2017 · Amount on Record
Prior Sale	Jan 25, 2017 · Amount on Record
Deed Document Number	201752550
Deed Book / Page	6690 / 1623
Prior Transfer Date	Jan 18, 2017
Prior Transfer Doc	0000052540
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	301 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Document Number	0000071587
Instrument Date	Sep 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 EMERALD ESTATES CT ST CHARLES MO 633044507, ST CHARLES, MO 63304-4507

Mortgage

Document Number	0000071587
Date	Sep 25, 2020
Instrument	71587

Lender

Name	CIITZENS NAT'L BK/GRTR ST LOUI
Address	7305 MANCHESTER RD, ST LOUIS, MO 63143-3120

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 24, 2035

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 25, 2017
Property Address	301 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Document Number	0066901623
Book / Page	6690 / 1623
Map Reference	MB 47 P G291
Instrument Date	Jan 18, 2017
Instrument	20170125000052550
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507

Mortgage

Document Number	20170125000052560
Date	Jan 25, 2017
Instrument	20170125000052560

Lender

Name	ELECTRO SAVINGS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,361 (-)	$533,478 (-) Land $105,000 Building $428,478
2025	$5,999.00	$101,361 (+13.01%)	$533,478 (+13%) Land $105,000 Building $428,478
2023		$89,696
2022			$472,086 Land $84,000 Building $388,086

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.

Flood

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	Severe Storms & Flooding, Jul 1993 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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