St. Charles County property record for 77 Ruth Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,160 sqft · built 1960 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Jun 2026) |
| Tax Bill | $2,738 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jun 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 097970A000 |
| Primary APN | 097970A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| Gross Area | 2,200 sqft |
| 1st Floor Area | 1,160 sqft |
| Basement Area | 1,040 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| 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 | Carport |
| Garage Area | 200 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 496 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 097970A000 |
|---|---|
| Street Address | 77 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 77 |
| Legal Subdivision | WEST WIND #3 |
| Legal Lot Number | 77 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 310700 |
77 Ruth Dr is owned by an individual who bought it in June 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 308 GATEVIEW DR, WENTZVILLE, MO 63385-6641 |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 8, 2026 | Warranty Deed, Transfer INVESTORS LAND TITLE, INVESTORS TITLE |
| Jun 8, 2026 | Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Jan 3, 2023 | Intrafamily Transfer, Transfer |
| Oct 23, 2018 | Warranty Deed, Transfer STIFEL BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 2026 · Amount on File |
| Deed Sale | Jun 8, 2026 · Amount on File |
| Prior Sale | Jun 8, 2026 · Amount on File |
| Deed Document Number | 202626769 |
| Prior Transfer Date | Dec 29, 2022 |
| Prior Transfer Doc | 0000000012 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 8, 2026 |
| Property Address | 77 RUTH DR, SAINT CHARLES, MO 63301-3116 |
| Document Number | 0000026769 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202626769 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | INVESTORS LAND TITLE, INVESTORS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 308 GATEVIEW DR, WENTZVILLE, MO 63385-6641 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 8, 2026 |
| Property Address | 77 RUTH DR, SAINT CHARLES, MO 63301-3116 |
| Document Number | 0000026768 |
| Instrument Date | May 25, 2026 |
| Instrument | 202626768 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 77 RUTH DR, SAINT CHARLES, MO 63301-3116 |
| Document Number | 0000026770, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 202626770 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 3, 2023 |
| Property Address | 77 RUTH DR, SAINT CHARLES, MO 63301-3116 |
| Document Number | 0000000012 |
| Map Reference | MB 6 PG 52 |
| Instrument Date | Dec 29, 2022 |
| Instrument | 2023R-000012 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 77 RUTH DR, SAINT CHARLES, MO 63301-3116 |
| Name | Verified Name |
|---|---|
| Address | 77 RUTH DR, SAINT CHARLES, MO 63301-3116 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 23, 2018 |
| Property Address | 77 RUTH DR, SAINT CHARLES, MO 63301-3116 |
| Document Number | 0069932274 |
| Book / Page | 006993 / 002274 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 605090 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | STATE LOUIS COMPANY TITLE (SLCTC), STL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 77 RUTH DR ST CHARLES MO 633013116, ST CHARLES, MO 63301-3116 |
| Document Number | 69932276 |
|---|---|
| Date | Oct 23, 2018 |
| Book Page | 006993/002276 |
| Instrument | 605100 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | ST LOUIS, MO 63141 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 22, 2048 |
The 2025 property tax bill for 77 Ruth Dr was $2,738, up 7% from the year before.
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 | $43,599 (-) | $229,470 (-) Land $55,000 Building $174,470 | |
| 2025 | $2,738.00 (+6.99%) | $43,599 | $229,470 Land $55,000 Building $174,470 |
| 2024 | $2,559.00 | ||
| 2023 | $39,750 | ||
| 2022 | $209,211 Land $40,000 Building $169,211 |
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 77 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.
Wildfire risk around 77 Ruth Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 341 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 · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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