5525 Emerald Ridge Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5525 Emerald Ridge Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,824 sqft · built 2012
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$272,500 (Apr 2019)
Tax Bill	$3,913 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T091500143`

Property Details

APN / Parcel Number

Primary APN	`T091500143`
Alternative APN	`3-0110-A559-00-0052.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
Basement Area	912 sqft
Finished Basement	308 sqft

Exterior

Year Built	Built 2012
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	6,970 sqft (0.16 acres)
Terrain	Rolling
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T091500143
Old Parcel Number	T091500143
Street Address	5525 EMERALD RIDGE DR
City	SAINT CHARLES
State	MO
Zip	63304-8038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANORS AT COLUMBUS POINTE LOT 52
Legal Range	03E
Legal Township	46N
Legal Subdivision	MANORS AT COLUMBUS POINTE
Legal Lot Number	52
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1002
Census Tract	311114

Owner

Source: St. Charles County records, as of March 16, 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	5525 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 3, 2019	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2019 · Amount on Record
Deed Sale	Apr 3, 2019 · Amount on Record
Prior Sale	Mar 1, 2012 · Amount on Record
Deed Document Number	0070541849
Deed Book / Page	7054 / 1849
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5525 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Transaction Type	Mortgage
Record Updated	Jul 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5525 EMERALD RIDGE DR, COTTLEVILLE, MO 63304-8038

Mortgage

Document Number	2021R057425
Date	Jul 8, 2021
Instrument	2021R-057425

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2019
Property Address	5525 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Document Number	0070541849
Book / Page	7054 / 1849
Map Reference	MB 45 PG 269
Instrument Date	Apr 1, 2019
Instrument	20190403000148530
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	531 MONTRACHET DR, 531, O FALLON, MO 63368-7750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5525 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038

Mortgage

Document Number	20190403000148550
Date	Apr 3, 2019
Instrument	20190403000148550

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Cottleville City
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
2025	$3,913.00	$63,463 (+8.37%)	$334,018 (+8.37%) Land $60,000 Building $274,018
2023		$58,562
2022			$308,223 Land $45,000 Building $263,223

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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