5316 Precious Stone Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5316 Precious Stone Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,677 sqft · built 1998
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,700 (Sep 2018)
Tax Bill	$4,193 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A973001440`

Property Details

APN / Parcel Number

Primary APN	`A973001440`
Alternative APN	`3-0112-7636-00-0307.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,677 sqft Living Area
Gross Area	3,763 sqft
1st Floor Area	1,677 sqft
Basement Area	1,627 sqft
Finished Basement	1,000 sqft
Unfinished Basement	627 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	220 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001440
Street Address	5316 PRECIOUS STONE DR
City	SAINT CHARLES
State	MO
Zip	63304-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #3 LOT 307
Legal Subdivision	EMERALD PL #3
Legal Lot Number	307
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2048
Census Tract	311114

Owner

Source: St. Charles County records, as of May 6, 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	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CREDIT UNION
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Sep 25, 2018	Quit Claim Deed, Transfer HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Prior Sale	Dec 23, 2002 · Amount on Record
Deed Document Number	2018549290
Deed Book / Page	6981 / 1597
Prior Transfer Date	Sep 19, 2018
Prior Transfer Doc	0000549290
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 24, 2026
Property Address	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210
Document Number	0000018935
Instrument Date	Mar 23, 2026
Instrument	202618935
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	INVEST TITLE, INVESTORS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210

Mortgage

Document Number	0000018935,
Date	Apr 24, 2026
Instrument	202618935

Lender

Name	WEST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2046

Interest

Rate	6.01%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210

Mortgage

Document Number	0000015714
Date	Feb 23, 2021
Instrument	2021R-015714

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210

Mortgage

Document Number	0000021040
Date	Apr 12, 2022
Instrument	2022R-021040

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2018
Property Address	5316 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1210
Document Number	0069811597
Book / Page	006981 / 001597
Instrument Date	Sep 19, 2018
Instrument	549290
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5316 PRECIOUS STONE DR ST CHARLES MO 633041210, ST CHARLES, MO 63304-1210

Mortgage

Document Number	69811599
Date	Sep 25, 2018
Book Page	006981/001599
Instrument	549300

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2048

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	$4,193.00 (+14.59%)	$70,700 (+15.45%)	$372,107 (+15.45%) Land $75,000 Building $297,107
2024	$3,659.00
2023		$61,236
2022			$322,297 Land $60,000 Building $262,297

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 99.8% of the US · lower than 99.6% 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.

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.

Nearby Properties on Precious Stone Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures