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

St. Charles County property record for 302 Emerald Estates Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,414 sqft · built 2015
Lot Size	0.421 acres (18,317 sqft)
Owner	2 Individual Names on Record
Last Sale	$489,000 (Jun 2015)
Tax Bill	$5,837 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T151500005`

Property Details

APN / Parcel Number

Primary APN	`T151500005`
Alternative APN	`3-0112-C077-00-0005.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,414 sqft Living Area
Gross Area	5,056 sqft
1st Floor Area	1,779 sqft
Basement Area	1,779 sqft
Finished Basement	850 sqft
Unfinished Basement	929 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	18,317 sqft (0.421 acres)
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T151500005
Street Address	302 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 5
Legal Subdivision	ESTS AT EMERALD PL
Legal Lot Number	5
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 July 17, 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 Record
Mailing Address	302 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Dec 8, 2020	Deed of Trust, Mortgage DAS ACQUISITION
May 13, 2020	Deed of Trust, Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2015 · Amount on Record
Deed Sale	Jun 25, 2015 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Document Number	2015408360
Deed Book / Page	6377 / 2339
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 7, 2026
Property Address	302 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Document Number	0000031554
Instrument Date	Jun 25, 2026
Instrument	202631554
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507

Mortgage

Document Number	0000031554,
Date	Jul 7, 2026
Instrument	202631554

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2056

Interest

Rate	6.53%
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	302 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Document Number	0000098612
Instrument Date	Dec 8, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	STEWART TITLE/CALDWELL, STC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	302 EMERALD ESTATES CT ST CHARLES MO 633044507, ST CHARLES, MO 63304-4507

Mortgage

Document Number	0000098612
Date	Dec 15, 2020
Instrument	98612

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	302 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Document Number	0072980498
Instrument Date	May 13, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	STEWART TITLE/CALDWELL, STC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	302 EMERALD ESTATES CT ST CHARLES MO 633044507, ST CHARLES, MO 63304-4507

Mortgage

Document Number	0072980498
Date	May 19, 2020
Book Page	007298/000498
Instrument	323280

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	300 Months
Due	May 18, 2045

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$5,837.00	$98,604 (+12.48%)	$518,966 (+12.48%) Land $105,000 Building $413,966
2023		$87,664
2022			$461,389 Land $84,000 Building $377,389

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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