5327 Precious Stone Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5327 Precious Stone Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,004 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,635 (2025)
Deeds & Mortgages	Nov 2022 Document Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A973001505`

Property Details

APN / Parcel Number

Primary APN	`A973001505`
Alternative APN	`3-0112-7636-00-0372.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,004 sqft Living Area
Gross Area	4,356 sqft
1st Floor Area	2,004 sqft
Basement Area	1,932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	116 sqft
Patio Area	378 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001505
Street Address	5327 PRECIOUS STONE DR
City	SAINT CHARLES
State	MO
Zip	63304-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #3 LOT 372
Legal Subdivision	EMERALD PL #3
Legal Lot Number	372
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 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	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 17, 2019	Special Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Nov 20, 2017	Deed of Trust, Mortgage CAROLYN A & PATRICIA L TRACY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2022
Deed Sale	Nov 1, 2022
Prior Sale	May 17, 2019 · Amount on Record
Deed Document Number	202259376
Prior Transfer Date	Oct 19, 2022
Prior Transfer Doc	0000059376
Record Updated	Sep 20, 2026

November 2022:

Jurisdiction	ST CHARLES MO
Recording Date	Nov 1, 2022
Property Address	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213
Document Number	0000059376
Map Reference	MB 33 PG 359
Instrument Date	Oct 19, 2022
Instrument	2022R-059376
Record Updated	Nov 14, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5327 PRECIOUS STONE DR, 5327, SAINT CHARLES, MO 63304-1213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213

Mortgage

Document Number	2021R015828
Date	Feb 23, 2021
Instrument	2021R-015828

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

May 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 17, 2019
Property Address	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213
Document Number	0070760290
Book / Page	7076 / 0290
Map Reference	MB 33 PG 359
Instrument Date	May 13, 2019
Instrument	20190517000238400
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2030 LAKE CLAY DR, 2030, CHESTERFIELD, MO 63017-7629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213

Mortgage

Document Number	20190517000238420
Date	May 17, 2019
Instrument	20190517000238420

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5327 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213
Document Number	0068472044
Book / Page	006847 / 002044
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5327 PRECIOUS STONE DR ST CHARLES MO 633041213, ST CHARLES, MO 63304-1213

Mortgage

Document Number	0068472044
Date	Dec 4, 2017
Book Page	006847/002044
Instrument	748720

Lender

Name	CAROLYN A & PATRICIA L TRACY
Address	2030 LAKE CLAY DR, CHESTERFIELD, MO 63017-7629

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$78,207 (-)	$411,615 (-) Land $75,000 Building $336,615
2025	$4,635.00 (+10.36%)	$78,207 (+11.15%)	$411,615 (+11.15%) Land $75,000 Building $336,615
2024	$4,200.00
2023		$70,364
2022			$370,335 Land $60,000 Building $310,335

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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