St. Charles County property record for 4000 Emerald Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,055 sqft · built 1979 |
| Lot Size | 1 acres (47,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $328,438 (Sep 2017) |
| Tax Bill | $6,623 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 536070A008 |
| Primary APN | 536070A008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,055 sqft Living Area |
| 1st Floor Area | 1,795 sqft |
| Basement Area | 1,795 sqft |
| Finished Basement | 464 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 47,600 sqft (1 acres) |
| Lot Dimensions | 280 ft deep x 170 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 175 sqft |
| Patio Area | 315 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 536070A008 |
|---|---|
| Old Parcel Number | 536070A008 |
| Street Address | 4000 EMERALD DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | EMERALD WOODS LOT 8 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | EMERALD WOODS |
| Legal Lot Number | 8 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311150 |
Source: St. Charles County records, as of March 16, 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 | 4000 EMERALD DR, SAINT CHARLES, MO 63304-6910 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 17, 2020 | Deed of Trust, Mortgage FIRST ST BK/ST CHARLES |
| Sep 21, 2017 | Warranty Deed, Transfer FIRST ST BK/ST CHARLES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2017 · Amount on Record |
| Deed Sale | Sep 21, 2017 · Amount on Record |
| Prior Sale | Oct 1, 2004 · Amount on Record |
| Deed Document Number | 0068102088 |
| Deed Book / Page | 6810 / 2088 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4000 EMERALD DR, SAINT CHARLES, MO 63304-6910 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 4000 EMERALD DR, SAINT CHARLES, MO 63304-6910 |
| Document Number | 2021R026370 |
|---|---|
| Date | Mar 25, 2021 |
| Instrument | 2021R-026370 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 172 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4000 EMERALD DR, SAINT CHARLES, MO 63304-6910 |
| Document Number | 0072752484 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4000 EMERALD DR ST CHARLES MO 633046910, ST CHARLES, MO 63304-6910 |
| Document Number | 0072752484 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 007275/002484 |
| Instrument | 250880 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Apr 21, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 21, 2017 |
| Property Address | 4000 EMERALD DR, SAINT CHARLES, MO 63304-6910 |
| Document Number | 0068102088 |
| Book / Page | 006810 / 002088 |
| Instrument Date | Sep 19, 2017 |
| Instrument | 593570 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2017 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 50 WHITEHAVEN CT ST CHARLES MO 633046969, ST CHARLES, MO 63304-6969 |
| Document Number | 68102091 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 006810/002091 |
| Instrument | 593580 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 20, 2047 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,623.00 | $111,952 (+12.77%) | $589,223 (+12.77%) Land $102,000 Building $487,223 |
| 2023 | $99,278 | ||
| 2022 | $522,515 Land $102,000 Building $420,515 |
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.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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