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Single Family ResidenceResidential
$560,574$162 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $296,300 on Sep 15, 2017

5540 EMERALD RIDGE DR

SAINT CHARLES, MO 63304
3
Beds
4
Baths
3,470 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.28 ac
Lot SizeThe size of the land the home sits on, from county records.
2011
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$561K
$515K low$606K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$296,300 · Sep 15, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,042 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$81,891 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$75,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$431,006

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyST. CHARLES
Lot (acres)The size of the land the home sits on, from county records.0.28
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Francis Howell Middle SchoolA-
Middle · Grades 6–8 · 1.2 mi
E
Independence Elementary SchoolA+
Elementary · Grades KG–5 · 1.7 mi
H
Francis Howell High SchoolA+
High · Grades 9–12 · 3.6 mi

District: Francis Howell R-Iii School District

Neighborhood · ZIP 63304These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.61
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.79
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.111

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.46,310
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,135 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$116,163
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$146,086
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

5540 Emerald Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 88% of homes in St. Charles County
  • Costs less per square foot than 79% of homes in Saint Charles 63304
  • Bigger than 90% of homes in St. Charles County
  • Has a bigger lot than 71% of homes in St. Charles County
  • Newer than 90% of homes in Saint Charles 63304

What homes are worth in Saint Charles 63304

Each bar is how many homes fall in that price range. The marker is this home.

This home
$188K$1.2M

This home is worth more than 77% of homes in Saint Charles 63304.

How it measures up in Saint Charles 63304

The dot is this home. The mark in the middle is the typical home in Saint Charles 63304.

Estimated value$560,574
CheaperTypical $399,158Pricier

Pricier than 77% of homes nearby

Price per ft²$162
CheaperTypical $193Pricier

Pricier than 21% of homes nearby

Living area3,470 ft²
SmallerTypical 2,161 ft²Bigger

Bigger than 87% of homes nearby

Lot size0.28 ac
SmallerTypical 0.25 acBigger

Bigger than 60% of homes nearby

Year built2011
OlderTypical 1991Newer

Newer than 90% of homes nearby

How 5540 Emerald Ridge Dr ranks against every home in each area.
MeasureThis homeSaint Charles 63304St. Charles County
Estimated valuepricier than$560,57477% of homes88% of homes
Price per ft²pricier than$16221% of homes29% of homes
Living areabigger than3,470 ft²87% of homes90% of homes
Lot sizebigger than0.28 ac60% of homes71% of homes
Year builtnewer than201190% of homes84% of homes

About 5540 Emerald Ridge Dr

How much is 5540 Emerald Ridge Dr, Saint Charles, MO worth?

The TopHap Estimate for 5540 Emerald Ridge Dr, Saint Charles, MO is $560,574 as of Sep 24, 2026. The likely range is $514,867 to $606,281. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 5540 Emerald Ridge Dr, Saint Charles, MO last sell?

5540 Emerald Ridge Dr, Saint Charles, MO last sold on Sep 15, 2017 for $296,300, according to the county's recorded deed.

How big is 5540 Emerald Ridge Dr, Saint Charles, MO?

5540 Emerald Ridge Dr, Saint Charles, MO has 3 bedrooms, 4 bathrooms, 3,470 square feet of living space and a 0.28-acre lot.

When was 5540 Emerald Ridge Dr, Saint Charles, MO built?

5540 Emerald Ridge Dr, Saint Charles, MO was built in 2011, making it 15 years old. It is a ranch home. The building has 1 story.

What schools serve 5540 Emerald Ridge Dr, Saint Charles, MO?

5540 Emerald Ridge Dr, Saint Charles, MO is assigned to Francis Howell Middle School (middle), rated A-; Independence Elementary School (elementary), rated A+; Francis Howell High School (high), rated A+. All sit in Francis Howell R-Iii School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 5540 Emerald Ridge Dr, Saint Charles, MO compare to other homes in Saint Charles 63304?

Among the 15,715 homes in Saint Charles 63304, it is worth more than 77% of them ($560,574 against a typical $399,158), its price per square foot is higher than 21% of them ($162 against a typical $193), it is bigger than 87% of them (3,470 ft² against a typical 2,161 ft²), its lot is bigger than 60% of them (0.28 ac against a typical 0.25 ac) and it is newer than 90% of them (2011 against a typical 1991). Measured against all of St. Charles County, it is worth more than 88% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 5540 Emerald Ridge Dr, Saint Charles, MO?

The 2025 property tax bill for 5540 Emerald Ridge Dr, Saint Charles, MO was $5,042. The county assessed it at $81,891.

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