St. Charles County property record for 641 Emerald Meadows Ct, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,806 sqft · built 1995 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $335,000 (Dec 2025) |
| Tax Bill | $3,366 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage May 2025 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A963000577 |
| Primary APN | A963000577 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,306 sqft Living Area |
| Gross Area | 3,214 sqft |
| 1st Floor Area | 1,078 sqft |
| Basement Area | 1,008 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 140 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A963000577 |
|---|---|
| Street Address | 641 EMERALD MEADOWS CT |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-6991 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | REDDINGTON OAKS #1 LOT 175 |
| Legal Subdivision | REDDINGTON OAKS #1 |
| Legal Lot Number | 175 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | HARVESTER |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311149 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 641 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6991 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 4, 2025 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| May 8, 2025 | Warranty Deed, Transfer |
| Apr 6, 2018 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| May 3, 2017 | Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2025 · Amount on Record |
| Deed Sale | Dec 4, 2025 · Amount on Record |
| Prior Sale | May 8, 2025 · Amount on Record |
| Deed Document Number | 202554420 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 4, 2025 |
| Property Address | 641 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6991 |
| Document Number | 0000054420 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Nov 18, 2025 |
| Instrument | 2025R-054420 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 641 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6991 |
| Document Number | 0000054421 |
|---|---|
| Date | Dec 4, 2025 |
| Instrument | 2025R-054421 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 8, 2025 |
| Property Address | 641 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6991 |
| Document Number | 0000018847 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | May 6, 2025 |
| Instrument | 2025R-018847 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 6, 2018 |
| Property Address | 641 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6991 |
| Document Number | 0069020003 |
| Book / Page | 6902 / 0003 |
| Map Reference | MB 32 PG 290 |
| Instrument Date | Apr 4, 2018 |
| Instrument | 20180406000184930 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 641 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6991 |
| Document Number | 20180406000184940 |
|---|---|
| Date | Apr 6, 2018 |
| Instrument | 20180406000184940 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 3, 2017 |
| Property Address | 641 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6991 |
| Document Number | 0067371924 |
| Book / Page | 006737 / 001924 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 268130 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2017 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 641 EMERALD MEADOWS CT ST CHARLES MO 633046991, ST CHARLES, MO 63304-6991 |
| Document Number | 67371926 |
|---|---|
| Date | May 3, 2017 |
| Book Page | 006737/001926 |
| Instrument | 268140 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 2, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $56,664 (-) | $298,230 (-) Land $70,000 Building $228,230 | |
| 2025 | $3,366.00 | $56,664 (+2.47%) | $298,230 (+2.47%) Land $70,000 Building $228,230 |
| 2023 | $55,296 | ||
| 2022 | $291,033 Land $55,000 Building $236,033 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 11 (1979–2020) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
| Claims by Event |
|
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.
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 | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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