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

St. Charles County property record for 322 Ruth Ann Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,631 sqft · built 2003
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$402,000 (Jun 2023)
Tax Bill	$4,989 (2025)
Deeds & Mortgages	Jun 2023 Transfer Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T032500304`

Property Details

APN / Parcel Number

Primary APN	`T032500304`
Alternative APN	`2-0126-9073-00-0012.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,631 sqft Living Area
Gross Area	3,360 sqft
1st Floor Area	1,582 sqft
Basement Area	1,398 sqft
Finished Basement	1,049 sqft
Unfinished Basement	349 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	102 sqft
Patio Area	527 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500304
Street Address	322 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 12
Legal Subdivision	KENSINGTON PL ADDN
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2002
Census Tract	311739

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	322 RUTH ANN DR, O FALLON, MO 63368-8020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Affidavit of Death of Joint Tenant, Transfer INVESTORS TITLE COMPANY
Jun 26, 2023	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2023 · Amount on Record
Deed Sale	Jun 26, 2023 · Amount on Record
Prior Sale	Oct 2, 2003 · Amount on Record
Deed Document Number	202324756
Record Updated	Oct 29, 2026

June 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Jun 26, 2023
Property Address	322 RUTH ANN DR, O FALLON, MO 63368-8020
Document Number	0000024755
Map Reference	MB 39 PG 80
Instrument Date	Jun 21, 2023
Instrument	2023R-024755
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8205 WYNDHAM PARK DR, SAINT PETERS, MO 63376-2983

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 26, 2023
Property Address	322 RUTH ANN DR, O FALLON, MO 63368-8020
Document Number	0000024756
Map Reference	MB 39 PG 80
Instrument Date	Jun 21, 2023
Instrument	2023R-024756
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8205 WYNDHAM PARK DR, SAINT PETERS, MO 63376-2983

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 RUTH ANN DR, O FALLON, MO 63368-8020

Mortgage

Document Number	0000024757
Date	Jun 26, 2023
Instrument	2023R-024757

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

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		$77,818 (-)	$409,567 (-) Land $60,000 Building $349,567
2025	$4,989.00 (+49.33%)	$77,818 (+16.31%)	$409,567 (+16.31%) Land $60,000 Building $349,567
2023		$66,906 (+42.61%)
2022	$3,341.00	$46,915	$352,135 (+42.61%) Land $48,000 Building $304,135
2021			$246,920 Land $36,000 Building $210,920

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

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 100 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

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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