St. Charles County property record for 5345 Precious Stone Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,624 sqft · built 1997 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $267,500 (Mar 2014) |
| Tax Bill | $4,623 (2024) |
| Deeds & Mortgages | Jul 2026 Sale Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973001501 |
| Primary APN | A973001501 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,624 sqft Living Area |
| Gross Area | 4,381 sqft |
| 1st Floor Area | 1,369 sqft |
| Basement Area | 1,293 sqft |
| Finished Basement | 1,034 sqft |
| Unfinished Basement | 259 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 14,375 sqft (0.33 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 498 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 260 sqft |
| Deck Area | Deck Area |
| Patio Area | 768 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973001501 |
|---|---|
| Street Address | 5345 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 368 |
| Legal Subdivision | EMERALD PL #3 |
| Legal Lot Number | 368 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 311114 |
Source: St. Charles County records, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 5345 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 8, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 12, 2021 | Deed of Trust, Mortgage COMMUNITY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2014 · Amount on Record |
| Deed Sale | Mar 11, 2014 · Amount on Record |
| Prior Sale | Jan 30, 2013 · Amount on Record |
| Deed Document Number | 2014119040 |
| Deed Book / Page | 6161 / 1840 |
| Last Transfer Date | Jun 29, 2026 |
| Transfer Doc | 0000031874 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 8, 2026 |
| Property Address | 5345 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213 |
| Document Number | 0000031874 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202631874 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 5345 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 5345 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1213 |
| Document Number | 0000005584 |
| Instrument Date | Jan 12, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5345 PRECIOUS STONE DR ST CHARLES MO 633041213, ST CHARLES, MO 63304-1213 |
| Document Number | 0000005584 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 5584 |
| Name | COMMUNITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, MO 64055 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 19, 2051 |
Source: St. Charles County assessment roll, as of August 13, 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 | $87,006 (+12.26%) | $457,924 (+12.26%) Land $75,000 Building $382,924 | |
| 2024 | $4,623.00 | ||
| 2023 | $77,506 | ||
| 2022 | $407,927 Land $60,000 Building $347,927 |
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 · 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 92% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 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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