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

St. Charles County property record for 305 Emerald Estates Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 4,919 sqft · built 2014
Lot Size	0.574 acres (24,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Nov 2019)
Tax Bill	$7,623 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Sep 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T151500002`

Property Details

APN / Parcel Number

Primary APN	`T151500002`
Alternative APN	`3-0112-C077-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,919 sqft Living Area
Gross Area	6,100 sqft
1st Floor Area	2,153 sqft
Basement Area	2,153 sqft
Finished Basement	1,722 sqft
Unfinished Basement	431 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	24,999 sqft (0.574 acres)
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T151500002
Street Address	305 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 2
Legal Subdivision	ESTS AT EMERALD PL
Legal Lot Number	2
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 13, 2025

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	305 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GATEWAY METRO FCU
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit HEALTH CARE FAMILY CU
Oct 29, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Nov 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Jun 12, 2015 · Amount on Record
Deed Document Number	2019647560
Deed Book / Page	7180 / 1505
Prior Transfer Date	Nov 1, 2019
Prior Transfer Doc	0071801505
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Transaction Type	Mortgage
Record Updated	May 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507

Mortgage

Document Number	0000017697
Date	May 9, 2023
Instrument	2023R-017697

Lender

Name	GATEWAY METRO FCU
Type	Credit Union
Address	SAINT LOUIS, MO 63101

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2038

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R081337
Date	Sep 29, 2021
Instrument	2021R-081337

Lender

Name	HEALTH CARE FAMILY CU
Type	Credit Union
Address	SAINT LOUIS, MO 63117

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	237 Months
Due	Jun 22, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Document Number	0000084851
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 22, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	305 EMERALD ESTATES CT ST CHARLES MO 633044507, ST CHARLES, MO 63304-4507

Mortgage

Document Number	0000084851
Date	Nov 4, 2020
Instrument	84851

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 12, 2019
Property Address	305 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507
Document Number	0071801505
Book / Page	7180 / 1505
Map Reference	MB 47 PG 291
Instrument Date	Nov 1, 2019
Instrument	20191112000647560
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 EMERALD ESTATES CT, SAINT CHARLES, MO 63304-4507

Mortgage

Document Number	20191112000647570
Date	Nov 12, 2019
Instrument	20191112000647570

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Dec 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

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	$7,623.00 (+13.05%)	$128,922 (+13.83%)	$678,536 (+13.83%) Land $105,000 Building $573,536
2024	$6,743.00
2023		$113,257
2022			$596,092 Land $84,000 Building $512,092

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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