74 Ruth Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 74 Ruth Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,696 sqft · built 1959
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Apr 2024)
Tax Bill	$2,974 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Apr 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`097940A000`

Property Details

APN / Parcel Number

Primary APN	`097940A000`
Alternative APN	`6-010B-4154-00-0074.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	2,968 sqft
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	520 sqft
Unfinished Basement	656 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
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	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	294 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	097940A000
Street Address	74 RUTH DR
City	SAINT CHARLES
State	MO
Zip	63301-3116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WEST WIND #3 LOT 74
Legal Subdivision	WEST WIND #3
Legal Lot Number	74
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2007
Census Tract	310700

Owner

74 Ruth Dr is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	74 RUTH DR, SAINT CHARLES, MO 63301-3116
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 10, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 10, 2024	Affidavit of Death of Joint Tenant, Transfer INVESTORS TITLE COMPANY
Apr 10, 2024	Affidavit of Death of Joint Tenant, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2024 · Amount on File
Deed Sale	Apr 10, 2024 · Amount on File
Prior Sale	Apr 10, 2024 · Amount on File
Deed Document Number	202413516
Prior Transfer Date	Feb 13, 2001
Prior Transfer Doc	0000011571
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 10, 2024
Property Address	74 RUTH DR, SAINT CHARLES, MO 63301-3116
Document Number	0000013516
Map Reference	MB 6 PG 52&53
Instrument Date	Apr 9, 2024
Instrument	2024R-013516
Transaction Type	Transfer
Record Updated	Apr 26, 2024
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	74 RUTH DR, SAINT CHARLES, MO 63301-3116

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 RUTH DR, SAINT CHARLES, MO 63301-3116

Mortgage

Document Number	0000013517
Date	Apr 10, 2024
Instrument	2024R-013517

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

April 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Apr 10, 2024
Property Address	74 RUTH DR, SAINT CHARLES, MO 63301-3116
Document Number	0000013514
Map Reference	MB 6 PG 52&53
Instrument Date	Apr 4, 2024
Instrument	2024R-013514
Transaction Type	Transfer
Record Updated	Apr 26, 2024
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

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Apr 10, 2024
Property Address	74 RUTH DR, SAINT CHARLES, MO 63301-3116
Document Number	0000013515
Map Reference	MB 6 PG 52&53
Instrument Date	Apr 4, 2024
Instrument	2024R-013515
Transaction Type	Transfer
Record Updated	Apr 26, 2024
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

Tax Assessment & Valuation

The 2025 property tax bill for 74 Ruth Dr was $2,974.

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		$47,397 (-)	$249,460 (-) Land $55,000 Building $194,460
2025	$2,974.00	$47,397	$249,460 Land $55,000 Building $194,460
2023		$43,483
2022			$228,859 Land $40,000 Building $188,859

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 74 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 74 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.

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