St. Charles County property record for 4028 Emerald Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,145 sqft · built 1984 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,500 (Dec 2012) |
| Tax Bill | $3,803 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 536070A044 |
| Primary APN | 536070A044 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,145 sqft Living Area |
| Gross Area | 4,042 sqft |
| 1st Floor Area | 1,716 sqft |
| Basement Area | 1,702 sqft |
| Finished Basement | 429 sqft |
| Unfinished Basement | 1,273 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 644 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 536070A044 |
|---|---|
| Street Address | 4028 EMERALD DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | EMERALD WOODS LOT 44 |
| Legal Subdivision | EMERALD WOODS |
| Legal Lot Number | 44 |
| 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 August 7, 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 | 4028 EMERALD DR, SAINT CHARLES, MO 63304-6923 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2020 | Quit Claim Deed, Transfer GUILD MTG |
| Oct 12, 2018 | Deed of Trust, Mortgage · Line of Credit NEIGHBORS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 3, 2012 · Amount on Record |
| Deed Sale | Dec 3, 2012 · Amount on Record |
| Prior Sale | Mar 15, 2004 · Amount on Record |
| Deed Document Number | 2012927670 |
| Deed Book / Page | 5909 / 206 |
| Last Transfer Date | Nov 18, 2020 |
| Transfer Doc | 0000094202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 2, 2020 |
| Property Address | 4028 EMERALD DR, SAINT CHARLES, MO 63304-6923 |
| Document Number | 0000094202 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 94202 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4028 EMERALD DR ST CHARLES MO 633046923, ST CHARLES, MO 63304-6923 |
| Document Number | 92682 |
|---|---|
| Date | Dec 2, 2020 |
| Instrument | 92682 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Dec 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4028 EMERALD DR, SAINT CHARLES, MO 63304-6923 |
| Document Number | 0070011934 |
| Instrument Date | Oct 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2018 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4028 EMERALD DR ST CHARLES MO 633046923, ST CHARLES, MO 63304-6923 |
| Document Number | 0070011934 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 007001/001934 |
| Instrument | 640180 |
| Name | NEIGHBORS CU |
|---|---|
| Address | ST LOUIS, MO 63123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 12, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $64,076 (-) | $337,239 (-) Land $68,000 Building $269,239 | |
| 2025 | $3,803.00 (+5.49%) | $64,076 (+6.21%) | $337,239 (+6.21%) Land $68,000 Building $269,239 |
| 2024 | $3,605.00 | ||
| 2023 | $60,328 | ||
| 2022 | $317,515 Land $68,000 Building $249,515 |
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 99.1% of the US · lower than 98.2% 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 283 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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