St. Charles County property record for 3582 Ruby Ln, Saint Charles, MO 63303 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1995 |
| Square Footage | 2,514 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $238,300 (2012) |
| Tax Bill | $4,639.00 (2025) |
| Primary APN | A953001416 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,514 sqft Living Area |
| Gross Area | 4,248 sqft Gross Area |
| 1st Floor | 1,300 sqft 1st Floor |
| Basement Area | 1,188 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Roof Construction | Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 546 sqft Garage |
| Patio Area | 400 sqft Patio |
| Porch | Porch |
| Porch Area | 400 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A953001416 |
|---|---|
| Street Address | 3582 RUBY LN |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-6474 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HARVEST VALLEY #2 LOT 9 |
| Legal Subdivision | HARVEST VALLEY #2 |
| Legal Lot Number | 9 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | HARVESTER |
| Census Blockgroup | 3 |
| Census Block | 3016 |
| Census Tract | 311147 |
Source: St. Charles County records · APN A953001416
Assessment roll updated August 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGE CREDIT UNION |
| Oct 04, 2023 | Beneficiary Deed, Transfer |
| May 12, 2023 | Deed of Trust, Mortgage · Stand Alone First Mortgage VANTAGE CU |
| Feb 13, 2017 | Warranty Deed, Transfer DAS ACQUISITION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 11, 2012 · Amount on Record |
| Deed Sale | Sep 11, 2012 · Amount on Record |
| Prior Sale | Aug 10, 2009 · Amount on Record |
| Deed Doc Number | 2012688780 |
| Deed Book / Page | 5853 / 78 |
| Last Transfer Date | Sep 28, 2023 |
| Transfer Doc | 0000040793 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 22, 2026 |
| Property Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Document Number | 0000024275 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 202624275 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Document Number | 0000024275, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 202624275 |
| Name | ADVANTAGE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.43% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 04, 2023 |
| Property Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Document Number | 0000040793 |
| Map Reference | MB 32 PG 135 |
| Instrument Date | Sep 28, 2023 |
| Instrument | 2023R-040793 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Name | Verified Name |
|---|---|
| Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Document Number | 0000018168 |
|---|---|
| Date | May 12, 2023 |
| Instrument | 2023R-018168 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | SAINT CHARLES, MO 63304 |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 12, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 13, 2017 |
| Property Address | 3582 RUBY LN, SAINT CHARLES, MO 63303-6474 |
| Document Number | 0066981719 |
| Book / Page | 006698 / 001719 |
| Instrument Date | Feb 10, 2017 |
| Instrument | 91770 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2017 |
| Title Company | NETCO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3582 RUBY LN ST CHARLES MO 633036474, ST CHARLES, MO 63303-6474 |
| Document Number | 66981721 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | 006698/001721 |
| Instrument | 91780 |
| Name | DAS ACQUISITION |
|---|---|
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 12, 2047 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $77,352 (-) | $407,114 (-) Land $70,000 Building $337,114 | |
| 2025 | $4,639.00 (+5.24%) | $77,352 (+8.47%) | $407,114 (+8.47%) Land $70,000 Building $337,114 |
| 2024 | $4,408.00 | ||
| 2023 | $71,309 | ||
| 2022 | $375,309 Land $50,000 Building $325,309 |
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