5499 Precious Stone Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5499 Precious Stone Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,165 sqft · built 1997
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,900 (Mar 2017)
Tax Bill	$4,436 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A973000996`

Property Details

APN / Parcel Number

Primary APN	`A973000996`
Alternative APN	`3-0112-7561-00-0223.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,165 sqft Living Area
Gross Area	3,781 sqft
1st Floor Area	1,180 sqft
Basement Area	1,156 sqft
Finished Basement	1,000 sqft
Unfinished Basement	156 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	17,424 sqft (0.4 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A973000996
Street Address	5499 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 223
Legal Subdivision	EMERALD PL #2
Legal Lot Number	223
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	5499 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Mar 17, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2017 · Amount on Record
Deed Sale	Mar 17, 2017 · Amount on Record
Prior Sale	May 9, 2014 · Amount on Record
Deed Document Number	2017161010
Deed Book / Page	6713 / 1082
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5499 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5499 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223

Mortgage

Document Number	0000056717
Date	Oct 17, 2022
Instrument	2022R-056717

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 17, 2017
Property Address	5499 PRECIOUS STONE CT, SAINT CHARLES, MO 63304-1223
Document Number	0067131082
Book / Page	006713 / 001082
Instrument Date	Mar 15, 2017
Instrument	161010
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5499 PRECIOUS STONE CT ST CHARLES MO 633041223, ST CHARLES, MO 63304-1223

Mortgage

Document Number	67131085
Date	Mar 17, 2017
Book Page	006713/001085
Instrument	161020

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2047

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		$74,827 (-)	$393,827 (-) Land $75,000 Building $318,827
2025	$4,436.00	$74,827 (+12.8%)	$393,827 (+12.8%) Land $75,000 Building $318,827
2023		$66,335
2022			$349,130 Land $60,000 Building $289,130

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.

Nearby Properties on Precious Stone Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures