St. Charles County property record for 829 Emerald Place Dr, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,248 sqft · built 1997 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Trust Name on File |
| Last Sale | $134,888 (Feb 1997) |
| Tax Bill | $4,356 (2025) |
| Deeds & Mortgages | Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A973000940 |
| Primary APN | A973000940 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,248 sqft Living Area |
| Gross Area | 3,794 sqft |
| 1st Floor Area | 1,318 sqft |
| Basement Area | 1,126 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 76 sqft |
| Patio Area | 80 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A973000940 |
|---|---|
| Street Address | 829 EMERALD PLACE DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-1093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AD9 |
| Legal Description | EMERALD PL #1 LOT 90 |
| Legal Subdivision | EMERALD PL #1 |
| Legal Lot Number | 90 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | COTTLEVILLE |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 311114 |
829 Emerald Place Dr is owner-occupied and held in a trust since July 2015.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 829 EMERALD PLACE DR, SAINT CHARLES, MO 63304-1093 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 1997 · Amount on File |
| Deed Sale | Feb 20, 1997 · Amount on File |
| Deed Document Number | 19979342 |
| Deed Book / Page | 1914 / 1629 |
| Last Transfer Date | Jul 20, 2015 |
| Transfer Doc | 0064351780 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 829 EMERALD PLACE DR, SAINT CHARLES, MO 63304-1093 |
| Document Number | 0070260777 |
| Instrument Date | Dec 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2019 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 829 EMERALD PLACE DR ST CHARLES MO 633041093, ST CHARLES, MO 63304-1093 |
| Document Number | 0070260777 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | 007026/000777 |
| Instrument | 25050 |
| Name | FIRST CMNTY FCU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 15, 2034 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 829 Emerald Place Dr was $4,356, up 12.1% 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 | $73,477 (-) | $386,720 (-) Land $75,000 Building $311,720 | |
| 2025 | $4,356.00 (+12.12%) | $73,477 | $386,720 Land $75,000 Building $311,720 |
| 2024 | $3,885.00 | ||
| 2023 | $65,061 | ||
| 2022 | $342,428 Land $60,000 Building $282,428 |
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 829 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 829 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 98% of the US · lower than 96% 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 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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