126 Ruth Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 126 Ruth Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,149 sqft · built 1962
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (May 2009)
Tax Bill	$2,753 (2025)
Deeds & Mortgages	Dec 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`098470A000`

Property Details

APN / Parcel Number

Primary APN	`098470A000`
Alternative APN	`6-005D-4154-00-0124.2000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,149 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	1,372 sqft
Basement Area	1,036 sqft
Finished Basement	777 sqft
Unfinished Basement	259 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,200 sqft (0.303 acres)
Lot Dimensions	120 ft deep x 110 ft wide
Porch	Open Porch
Porch Area	76 sqft
Patio Area	795 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	098470A000
Street Address	126 RUTH DR
City	SAINT CHARLES
State	MO
Zip	63301-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WEST WIND #3 PT LOT 124
Legal Subdivision	WEST WIND #3
Legal Lot Number	124
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2004
Census Tract	310700

Owner

126 Ruth Dr is owned and occupied by two individuals who acquired it in August 2021.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	126 RUTH DR, SAINT CHARLES, MO 63301-3117
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2009 · Amount on File
Deed Sale	May 28, 2009 · Amount on File
Deed Document Number	2009420940
Deed Book / Page	5195 / 765
Last Transfer Date	Aug 20, 2021
Transfer Doc	0000049265
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 4, 2023
Property Address	126 RUTH DR, SAINT CHARLES, MO 63301-3117
Document Number	0000049265
Map Reference	MB 6 PG 52&53
Instrument Date	Aug 20, 2023
Instrument	2023R-049265
Transaction Type	Transfer
Record Updated	Dec 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	126 RUTH DR, SAINT CHARLES, MO 63301-3117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	126 RUTH DR, SAINT CHARLES, MO 63301-3117

Tax Assessment & Valuation

The 2025 property tax bill for 126 Ruth Dr was $2,753, up 3.1% from the year before.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,835 (-)	$230,712 (-) Land $44,000 Building $186,712
2025	$2,753.00 (+3.15%)	$43,835	$230,712 Land $44,000 Building $186,712
2024	$2,669.00
2023		$41,490
2022			$218,370 Land $32,000 Building $186,370

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 126 Ruth Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	16 (1978–2015)
Claims Outside the SFHA	4 of 16
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Sep 1993 · 3 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

Wildfire risk around 126 Ruth 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 99.8% of the US · lower than 99.6% 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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 341 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 · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000