313 Ruth Ann Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 313 Ruth Ann Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 2003
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Apr 2019)
Tax Bill	$3,053 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Nov 2018 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T032500306`

Property Details

APN / Parcel Number

Primary APN	`T032500306`
Alternative APN	`2-0126-9073-00-0014.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
Gross Area	2,158 sqft
1st Floor Area	1,118 sqft
Basement Area	494 sqft
Finished Basement	250 sqft
Unfinished Basement	244 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	156 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500306
Street Address	313 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 14
Legal Subdivision	KENSINGTON PL ADDN
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2002
Census Tract	311739

Owner

313 Ruth Ann Dr is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	313 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.

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2019	Grant Deed, Transfer · FHA Mortgage SERVION INC
Nov 30, 2018	Grant Deed, Transfer MS TITLE
Nov 14, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY
Feb 2, 2018	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Oct 13, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2019 · Amount on File
Deed Sale	Apr 8, 2019 · Amount on File
Prior Sale	Nov 30, 2018 · Amount on File
Deed Document Number	2019155690
Deed Book / Page	7056 / 824
Record Updated	Oct 29, 2026

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 8, 2019
Property Address	313 RUTH ANN DR, O FALLON, MO 63368-8020
Document Number	0070560824
Book / Page	007056 / 000824
Instrument Date	Mar 28, 2019
Instrument	155690
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 UPPER MUIRFIELD CT S ST CHARLES MO 633040414, ST CHARLES, MO 63304-0414

Mortgage

Document Number	70560827
Date	Apr 8, 2019
Book Page	007056/000827
Instrument	155700

Lender

Name	SERVION INC
Address	NEW BRIGHTON, MN 55112

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2018
Property Address	313 RUTH ANN DR, O FALLON, MO 63368-8020
Document Number	0070081363
Book / Page	007008 / 001363
Instrument Date	Nov 26, 2018
Instrument	670330
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	MS TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	401 W END AVE #760W NASHVILLE TN 37203, 760W, NASHVILLE, TN 37203

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 14, 2018
Property Address	313 RUTH ANN DR, O FALLON, MO 63368-8020
Document Number	0070022291
Book / Page	007002 / 002291
Instrument Date	Nov 13, 2018
Instrument	645320
Transaction Type	Foreclosure
Record Updated	Dec 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	313 RUTH ANN DR O FALLON MO 633688020, O FALLON, MO 63368-8020

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	313 RUTH ANN DR, O FALLON, MO 63368-8020
Document Number	0068761908
Book / Page	006876 / 001908
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Feb 14, 2018
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 RUTH ANN DR O FALLON MO 633688020, O FALLON, MO 63368-8020

Mortgage

Document Number	0068761908
Date	Feb 8, 2018
Book Page	006876/001908
Instrument	70500

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.99%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 13, 2017
Property Address	313 RUTH ANN DR, O FALLON, MO 63368-8020
Document Number	0068221501
Book / Page	006822 / 001501
Instrument Date	Oct 10, 2017
Instrument	643760
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 RUTH ANN DR O FALLON MO 633688020, O FALLON, MO 63368-8020

Mortgage

Document Number	68221503
Date	Oct 13, 2017
Book Page	006822/001503
Instrument	643770

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 313 Ruth Ann Dr was $3,053.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,369 (-)	$249,309 (-) Building $249,309
2025	$3,053.00	$47,369	$249,309
2023		$46,181
2022			$243,058 Land $40,000 Building $203,058

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.

Flood

FEMA maps place 313 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

Wildfire risk around 313 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	Direct burnable vegetation

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 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

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 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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