St. Charles County property record for 310 Ruth Ann Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,314 sqft · built 2003 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $181,500 (Jun 2010) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T032500298 |
| Primary APN | T032500298 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,314 sqft Living Area |
| Gross Area | 2,918 sqft |
| 1st Floor Area | 1,314 sqft |
| Basement Area | 1,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Patio Area | 140 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T032500298 |
|---|---|
| Street Address | 310 RUTH ANN DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-8020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KENSINGTON PL ADDN LOT 6 |
| Legal Subdivision | KENSINGTON PL ADDN |
| Legal Lot Number | 6 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 311739 |
310 Ruth Ann Dr is owned and occupied by an individual who bought it in June 2010.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 310 RUTH ANN DR, O FALLON, MO 63368-8020 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2010 · Amount on File |
| Deed Sale | Jun 14, 2010 · Amount on File |
| Prior Sale | May 18, 2005 · Amount on File |
| Deed Document Number | 2010355380 |
| Deed Book / Page | 5397 / 414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 310 RUTH ANN DR, O FALLON, MO 63368-8020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 310 RUTH ANN DR, O FALLON, MO 63368-8020 |
| Document Number | 0000096693 |
|---|---|
| Date | Dec 9, 2020 |
| Instrument | 2020R-096693 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | HAZELWOOD, MO 63042 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $63,583 | $334,646 Land $55,000 Building $279,646 |
| 2023 | $56,896 | |
| 2022 | $299,453 Land $44,000 Building $255,453 |
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 310 Ruth Ann 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
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 310 Ruth Ann Dr is low, with 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 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 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 | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 446 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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