5446 Precious Stone Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5446 Precious Stone Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,854 sqft · built 1998
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Tax Bill	$4,067 (2024)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973001491`

Property Details

APN / Parcel Number

Primary APN	`A973001491`
Alternative APN	`3-0112-7636-00-0358.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	4,264 sqft
1st Floor Area	1,800 sqft
Basement Area	1,766 sqft
Finished Basement	54 sqft
Unfinished Basement	1,712 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	15,246 sqft (0.35 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	698 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	68 sqft
Deck Area	Deck Area
Patio Area	264 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001491
Street Address	5446 PRECIOUS STONE DR
City	SAINT CHARLES
State	MO
Zip	63304-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #3 LOT 358
Legal Subdivision	EMERALD PL #3
Legal Lot Number	358
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	2
Census Block	2049
Census Tract	311114

Owner

Source: St. Charles County records, as of August 13, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5446 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage THE FEDERAL SAVINGS BANK
Mar 27, 2020	Deed of Trust, Mortgage COMMERCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2006
Deed Sale	Jan 19, 2006
Prior Sale	Mar 31, 1998 · Amount on Record
Deed Document Number	200654180
Deed Book / Page	4397 / 811
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5446 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1221
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5446 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1221

Mortgage

Document Number	0000006364
Date	Feb 1, 2022
Instrument	2022R-006364

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	857 Months
Due	Jul 19, 2093

Interest

Rate Type	Adjustable Rate
Rate	2.66%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.66%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5446 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1221
Document Number	0072631638
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5446 PRECIOUS STONE DR ST CHARLES MO 633041221, ST CHARLES, MO 63304-1221

Mortgage

Document Number	0072631638
Date	Apr 6, 2020
Book Page	007263/001638
Instrument	209770

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Apr 5, 2032

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		$76,526 (+12.33%)	$402,768 (+12.33%) Land $75,000 Building $327,768
2024	$4,067.00 (+14.27%)
2023		$68,124 (+23.01%)
2022	$3,559.00	$55,380	$358,548 (+23.01%) Land $60,000 Building $298,548
2021			$291,475 Land $60,000 Building $231,475

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 99.1% 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.

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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