5469 Precious Stone Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5469 Precious Stone Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,481 sqft · built 1997
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jan 2025)
Tax Bill	$4,746 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A973000988`

Property Details

APN / Parcel Number

Primary APN	`A973000988`
Alternative APN	`3-0112-7561-00-0215.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,481 sqft Living Area
Gross Area	4,539 sqft
1st Floor Area	1,293 sqft
Basement Area	1,269 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	789 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	255 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973000988
Street Address	5469 PRECIOUS STONE CT
City	SAINT CHARLES
State	MO
Zip	63304-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #2 LOT 215
Legal Subdivision	EMERALD PL #2
Legal Lot Number	215
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 September 10, 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	5469 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Feb 23, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2025 · Amount on Record
Deed Sale	Jan 17, 2025 · Amount on Record
Prior Sale	Aug 1, 1997 · Amount on Record
Deed Document Number	20252208
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 13, 2026
Property Address	5469 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Document Number	0000022477
Instrument Date	May 8, 2026
Instrument	202622477
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5469 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223

Mortgage

Document Number	0000022477,
Date	May 13, 2026
Instrument	202622477

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5469 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Transaction Type	Mortgage
Record Updated	Mar 7, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5469 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223

Mortgage

Document Number	0000006955
Date	Feb 23, 2024
Instrument	2024R-006955

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Type	Line of Credit
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		$80,082 (-)	$421,485 (-) Land $75,000 Building $346,485
2025	$4,746.00	$80,082 (+12.58%)	$421,485 (+12.58%) Land $75,000 Building $346,485
2023		$71,132
2022			$374,377 Land $60,000 Building $314,377

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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