5541 Emerald Ridge Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 5541 Emerald Ridge Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,115 sqft · built 2010
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Trust Names on File
Last Sale	$375,000 (Jul 2021)
Tax Bill	$4,215 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jul 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T091500135`

Property Details

APN / Parcel Number

Primary APN	`T091500135`
Alternative APN	`3-0110-A559-00-0044.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,115 sqft Living Area
Gross Area	3,773 sqft
1st Floor Area	2,115 sqft
Basement Area	1,028 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T091500135
Street Address	5541 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 44
Legal Subdivision	MANORS AT COLUMBUS POINTE
Legal Lot Number	44
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1002
Census Tract	311114

Owner

5541 Emerald Ridge Dr is owner-occupied and held in a trust since February 2026.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Intrafamily Transfer, Transfer
Jul 8, 2021	Warranty Deed, Transfer ATG
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Feb 5, 2019	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
May 27, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CMNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2021 · Amount on File
Deed Sale	Jul 8, 2021 · Amount on File
Prior Sale	Feb 5, 2019 · Amount on File
Deed Document Number	202157665
Last Transfer Date	Feb 26, 2026
Transfer Doc	0000009044
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 27, 2026
Property Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Document Number	0000009044
Map Reference	MB 45 PG 269
Instrument Date	Feb 26, 2026
Instrument	2026R-009044
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5541 EMERALD RIDGE DR, COTTLEVILLE, MO 63304-8038

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 8, 2021
Property Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Document Number	2021R057665
Map Reference	MB 45 PG 269
Instrument Date	Jul 6, 2021
Instrument	2021R-057665
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1313 MALLARDS WAY, 1313, O FALLON, MO 63368-9665

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STELLAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071730158
Date	Oct 31, 2019
Book Page	7173/0158
Instrument	20191031000616660

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 5, 2019
Property Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Document Number	0070330160
Book / Page	7033 / 0160
Map Reference	MB 45 PG 269
Instrument Date	Jan 28, 2019
Instrument	20190205000055610
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6306 WATER POINT CT, 6306, KINGWOOD, TX 77346-1300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038

Mortgage

Document Number	20190205000055620
Date	Feb 5, 2019
Instrument	20190205000055620

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5541 EMERALD RIDGE DR, SAINT CHARLES, MO 63304-8038
Document Number	0067762374
Instrument Date	May 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5541 EMERALD RIDGE DR COTTLEVILLE MO 633048038, COTTLEVILLE, MO 63304-8038

Mortgage

Document Number	0067762374
Date	Jul 19, 2017
Book Page	006776/002374
Instrument	443130

Lender

Name	FIRST CMNTY FCU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 18, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5541 Emerald Ridge Dr was $4,215, up 7.8% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$68,401 (-)	$360,004 (-) Land $54,000 Building $306,004
2025	$4,215.00 (+7.8%)	$68,401	$360,004 Land $54,000 Building $306,004
2024	$3,910.00
2023		$62,871
2022			$330,899 Land $40,500 Building $290,399

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

FEMA maps place 5541 Emerald Ridge Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5541 Emerald Ridge Dr is low, with a 0.01% annual chance of 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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