5461 Precious Stone Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5461 Precious Stone Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,694 sqft · built 1999
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Aug 2024)
Tax Bill	$4,261 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A973001493`

Property Details

APN / Parcel Number

Primary APN	`A973001493`
Alternative APN	`3-0112-7636-00-0360.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,694 sqft Living Area
Gross Area	3,728 sqft
1st Floor Area	1,694 sqft
Basement Area	1,654 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,326 sqft (0.26 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	200 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001493
Street Address	5461 PRECIOUS STONE DR
City	SAINT CHARLES
State	MO
Zip	63304-1247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #3 LOT 360
Legal Subdivision	EMERALD PL #3
Legal Lot Number	360
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	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 23, 2023	Intrafamily Transfer, Transfer
Oct 23, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Oct 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2024 · Amount on Record
Deed Sale	Aug 23, 2024 · Amount on Record
Prior Sale	Oct 23, 2023 · Amount on Record
Deed Document Number	202434397
Prior Transfer Date	Oct 19, 2023
Prior Transfer Doc	0000043722
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247

Mortgage

Document Number	0000046722
Date	Oct 20, 2025
Instrument	2025R-046722

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 23, 2023
Property Address	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247
Document Number	0000043722
Map Reference	MB 33 PG 359
Instrument Date	Oct 19, 2023
Instrument	2023R-043722
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	226 SURREY TRAIL DR, SAINT PETERS, MO 63376-4258

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 23, 2023
Property Address	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247
Document Number	0000043720
Map Reference	MB 33 PG 359
Instrument Date	Oct 16, 2023
Instrument	2023R-043720
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14251 GALLEY CT, NAPLES, FL 34114-8978

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247

Mortgage

Document Number	0000043721
Date	Oct 23, 2023
Instrument	2023R-043721

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 8, 2020
Property Address	5461 PRECIOUS STONE DR, SAINT CHARLES, MO 63304-1247
Document Number	0000076159
Instrument Date	Aug 13, 2020
Instrument	76159
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5461 PRECIOUS STONE DR ST CHARLES MO 633041247, ST CHARLES, MO 63304-1247

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		$71,863 (-)	$378,228 (-) Land $75,000 Building $303,228
2025	$4,261.00 (+15.26%)	$71,863 (+16.11%)	$378,228 (+16.11%) Land $75,000 Building $303,228
2024	$3,697.00
2023		$61,890
2022			$325,739 Land $60,000 Building $265,739

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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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