St. Charles County property record for 63 Ruth Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,176 sqft · built 1956 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Oct 2024) |
| Tax Bill | $2,598 (2025) |
| Deeds & Mortgages | Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 097830A000 |
| Primary APN | 097830A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 2,704 sqft |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 1,176 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| 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 | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 097830A000 |
|---|---|
| Street Address | 63 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 63 |
| Legal Subdivision | WEST WIND #3 |
| Legal Lot Number | 63 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 310700 |
63 Ruth Dr is owned and occupied by two individuals who bought it in October 2024.
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 63 RUTH DR, SAINT CHARLES, MO 63301-3115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 28, 2024 · Amount on File |
| Deed Sale | Oct 28, 2024 · Amount on File |
| Prior Sale | Oct 28, 2024 · Amount on File |
| Deed Document Number | 202444711 |
| Prior Transfer Date | Oct 25, 2024 |
| Prior Transfer Doc | 0000044709 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 63 RUTH DR, SAINT CHARLES, MO 63301-3115 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070510371 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 7051/0371 |
| Instrument | 20190326000133850 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 20, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | St. Charles R-VI School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,347 (-) | $217,618 (-) Land $55,000 Building $162,618 | |
| 2025 | $2,598.00 | $41,347 (+10.82%) | $217,618 (+10.83%) Land $55,000 Building $162,618 |
| 2023 | $37,309 | ||
| 2022 | $196,361 Land $40,000 Building $156,361 |
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 63 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 |
|
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.
The area around 63 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.
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 |
| 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 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.
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