5475 Precious Stone Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5475 Precious Stone Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,360 sqft · built 1996
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Sep 2018)
Tax Bill	$4,474 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A973000990`

Property Details

APN / Parcel Number

Primary APN	`A973000990`
Alternative APN	`3-0112-7561-00-0217.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,360 sqft Living Area
Gross Area	3,936 sqft
1st Floor Area	1,180 sqft
Basement Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	124 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	A973000990
Street Address	5475 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 217
Legal Subdivision	EMERALD PL #2
Legal Lot Number	217
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	5475 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 20, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 7, 2020	Deed of Trust, Mortgage · VA Mortgage GERSHMAN MTG
Oct 24, 2019	Deed of Trust, Mortgage DAS ACQUISITION
Sep 13, 2018	Deed of Trust, Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	2018545240
Deed Book / Page	6980 / 1999
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5475 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Transaction Type	Mortgage
Record Updated	Jun 15, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5475 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223

Mortgage

Document Number	0000030769
Date	Jun 1, 2022
Instrument	2022R-030769

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5475 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070760696
Date	May 20, 2019
Book Page	7076/0696
Instrument	20190520000239080

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5475 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Document Number	0000005404
Instrument Date	Oct 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5475 PRECIOUS STONE CT ST CHARLES MO 633041223, ST CHARLES, MO 63304-1223

Mortgage

Document Number	0000005404
Date	Jan 20, 2021
Instrument	5404

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5475 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Document Number	0071800699
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	FREEDOM TITLE, FREEDOM TITLE LLC-ST LOUIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5475 PRECIOUS STONE CT ST CHARLES MO 633041223, ST CHARLES, MO 63304-1223

Mortgage

Document Number	0071800699
Date	Nov 12, 2019
Book Page	007180/000699
Instrument	646220

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5475 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Document Number	0069802001
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5475 PRECIOUS STONE CT ST CHARLES MO 633041223, ST CHARLES, MO 63304-1223

Mortgage

Document Number	0069802001
Date	Sep 21, 2018
Book Page	006980/002001
Instrument	545250

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

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		$75,465 (-)	$397,182 (-) Land $75,000 Building $322,182
2025	$4,474.00	$75,465 (+12.84%)	$397,182 (+12.84%) Land $75,000 Building $322,182
2023		$66,877
2022			$351,983 Land $60,000 Building $291,983

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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