62 Ruth Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 62 Ruth Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,134 sqft · built 1962
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$176,500 (Jun 2018)
Tax Bill	$2,704 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`097820A000`

Property Details

APN / Parcel Number

Primary APN	`097820A000`
Alternative APN	`6-010B-4154-00-0062.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,134 sqft Living Area
Gross Area	2,592 sqft
1st Floor Area	1,134 sqft
Basement Area	1,134 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	097820A000
Street Address	62 RUTH DR
City	SAINT CHARLES
State	MO
Zip	63301-3115
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WEST WIND #3 LOT 62
Legal Subdivision	WEST WIND #3
Legal Lot Number	62
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2016
Census Tract	310700

Owner

62 Ruth Dr is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	62 RUTH DR, SAINT CHARLES, MO 63301-3115
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
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 5, 2018	Personal Representative Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2018 · Amount on File
Deed Sale	Jun 5, 2018 · Amount on File
Prior Sale	Nov 5, 2004 · Amount on File
Deed Document Number	2018313250
Deed Book / Page	6929 / 2033
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	62 RUTH DR, SAINT CHARLES, MO 63301-3115
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	62 RUTH DR, SAINT CHARLES, MO 63301-3115

Mortgage

Document Number	0000041680
Date	Jul 27, 2022
Instrument	2022R-041680

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 19, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	62 RUTH DR, SAINT CHARLES, MO 63301-3115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071500339
Date	Sep 26, 2019
Book Page	7150/0339
Instrument	20190926000530230

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 5, 2018
Property Address	62 RUTH DR, SAINT CHARLES, MO 63301-3115
Document Number	0069292033
Book / Page	6929 / 2033
Map Reference	MB 6 PG 52
Instrument Date	May 31, 2018
Instrument	20180605000313250
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 ABBEY ST, SAINT CHARLES, MO 63301-1003

Mortgage

Document Number	20180605000313260
Date	Jun 5, 2018
Instrument	20180605000313260

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 62 Ruth Dr was $2,704.

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		$43,052 (-)	$226,590 (-) Land $55,000 Building $171,590
2025	$2,704.00	$43,052	$226,590 Land $55,000 Building $171,590
2023		$39,242
2022			$206,539 Land $40,000 Building $166,539

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 62 Ruth Dr in Zone X, an area of minimal flood risk, though there have been 16 flood claims nearby since 1978.

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
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

The area around 62 Ruth Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 550 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 · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Ruth Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures