642 Emerald Meadows Ct, Saint Charles, MO 63304 Property Records

St. Charles County property record for 642 Emerald Meadows Ct, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,401 sqft · built 1995
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Sep 2019)
Tax Bill	$3,313 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A963000578`

Property Details

APN / Parcel Number

Primary APN	`A963000578`
Alternative APN	`3-0036-7310-00-0176.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,401 sqft Living Area
Gross Area	3,201 sqft
1st Floor Area	1,401 sqft
Basement Area	1,401 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	204 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A963000578
Street Address	642 EMERALD MEADOWS CT
City	SAINT CHARLES
State	MO
Zip	63304-6989
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	REDDINGTON OAKS #1 LOT 176
Legal Subdivision	REDDINGTON OAKS #1
Legal Lot Number	176
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311149

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	642 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6989
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2019 · Amount on Record
Deed Sale	Sep 17, 2019 · Amount on Record
Prior Sale	Apr 14, 2009 · Amount on Record
Deed Document Number	2019507560
Deed Book / Page	7143 / 1654
Prior Transfer Date	May 20, 2019
Prior Transfer Doc	0071431650
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 17, 2019
Property Address	642 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6989
Document Number	0071431654
Book / Page	7143 / 1654
Map Reference	MB 32 PG 290
Instrument Date	Sep 10, 2019
Instrument	20190917000507560
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	253 JACOBS WAY DR, 253, SAINT PETERS, MO 63376-7825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 EMERALD MEADOWS CT, SAINT CHARLES, MO 63304-6989

Mortgage

Document Number	20190917000507570
Date	Sep 17, 2019
Instrument	20190917000507570

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

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		$55,760 (-)	$293,472 (-) Land $70,000 Building $223,472
2025	$3,313.00 (+9.59%)	$55,760 (+10.37%)	$293,472 (+10.37%) Land $70,000 Building $223,472
2024	$3,023.00
2023		$50,522
2022			$265,908 Land $55,000 Building $210,908

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	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	Severe Storms & Flooding, Jul 1993 · 5 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 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.

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 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