St. Charles County property record for 809 Emerald Place Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5.5 ba · 3,312 sqft · built 1998 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Feb 2021) |
| Tax Bill | $5,010 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A973000951 |
| Primary APN | A973000951 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,312 sqft Living Area |
| Gross Area | 4,314 sqft |
| 1st Floor Area | 2,556 sqft |
| Basement Area | 1,260 sqft |
| Finished Basement | 756 sqft |
| Unfinished Basement | 504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 498 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | Deck Area |
| Patio Area | 220 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973000951 |
|---|---|
| Street Address | 809 EMERALD PLACE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AD9 |
| Legal Description | EMERALD PL #1 LOT 101 |
| Legal Subdivision | EMERALD PL #1 |
| Legal Lot Number | 101 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 311114 |
809 Emerald Place Dr is owned and occupied by two individuals who bought it in February 2021.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 809 EMERALD PLACE DR, SAINT CHARLES, MO 63304-1092 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2022 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Feb 23, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage THOMPSON KANE & CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2021 · Amount on File |
| Deed Sale | Feb 23, 2021 · Amount on File |
| Prior Sale | May 27, 2016 · Amount on File |
| Deed Document Number | 202115689 |
| Prior Transfer Date | Feb 17, 2021 |
| Prior Transfer Doc | 2021R015689 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 809 EMERALD PLACE DR, SAINT CHARLES, MO 63304-1092 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 809 EMERALD PLACE DR, COTTLEVILLE, MO 63304-1092 |
| Document Number | 0000007794 |
|---|---|
| Date | Feb 8, 2022 |
| Instrument | 2022R-007794 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 23, 2021 |
| Property Address | 809 EMERALD PLACE DR, SAINT CHARLES, MO 63304-1092 |
| Document Number | 2021R015689 |
| Map Reference | MB 33 PG 222 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 2021R-015689 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 809 EMERALD PLACE DR, 809, SAINT CHARLES, MO 63304-1092 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 809 EMERALD PLACE DR, SAINT CHARLES, MO 63304-1092 |
| Investor | Possibly a Property Investor |
| Document Number | 2021R015690 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 2021R-015690 |
| Name | THOMPSON KANE & CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
The 2025 property tax bill for 809 Emerald Place Dr was $5,010, up 11.6% from the year before.
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 | $84,566 (-) | $445,084 (-) Land $75,000 Building $370,084 | |
| 2025 | $5,010.00 (+11.56%) | $84,566 | $445,084 Land $75,000 Building $370,084 |
| 2024 | $4,491.00 | ||
| 2023 | $75,273 | ||
| 2022 | $396,175 Land $60,000 Building $336,175 |
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.
FEMA maps place 809 Emerald Place Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.
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 |
|
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 risk around 809 Emerald Place Dr is low, with less than 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 97% of the US · lower than 95% 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 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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: AT&T, i3 Broadband, Wisper ISP.
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