5482 Precious Stone Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5482 Precious Stone Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1997
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$279,300 (Jan 2026)
Tax Bill	$4,087 (2025)
Deeds & Mortgages	Oct 2025 Transfer Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A973001001`

Property Details

APN / Parcel Number

Primary APN	`A973001001`
Alternative APN	`3-0112-7561-00-0228.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,710 sqft Living Area
Gross Area	3,817 sqft
1st Floor Area	1,710 sqft
Basement Area	1,666 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	95 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973001001
Street Address	5482 PRECIOUS STONE CT
City	SAINT CHARLES
State	MO
Zip	63304-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD9
Legal Description	EMERALD PL #2 LOT 228
Legal Subdivision	EMERALD PL #2
Legal Lot Number	228
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 11, 2026

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	5482 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Intrafamily Transfer, Transfer
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Jul 23, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2026 · Amount on Record
Deed Sale	Jan 27, 2026 · Amount on Record
Prior Sale	Jul 23, 2020 · Amount on Record
Deed Document Number	20263892
Prior Transfer Date	Oct 2, 2025
Prior Transfer Doc	0000044324
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 6, 2025
Property Address	5482 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1222
Document Number	0000044324
Map Reference	MB 33 PG 253
Instrument Date	Oct 2, 2025
Instrument	2025R-044324
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	5482 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1222

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5482 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1222
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082063
Date	Oct 1, 2021
Instrument	2021R-082063

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 23, 2020
Property Address	5482 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1222
Document Number	0000519530
Book / Page	7352 / 2154
Map Reference	MB 33 PG 253
Instrument Date	Jul 17, 2020
Instrument	20200723000519530
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5482 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1222

Mortgage

Document Number	0000519540
Date	Jul 23, 2020
Instrument	20200723000519540

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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		$68,905 (-)	$362,660 (-) Land $75,000 Building $287,660
2025	$4,087.00 (+10.73%)	$68,905 (+11.52%)	$362,660 (+11.52%) Land $75,000 Building $287,660
2024	$3,691.00
2023		$61,785
2022			$325,185 Land $60,000 Building $265,185

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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