St. Charles County property record for 78 Ruth Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,050 sqft · built 1962 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Nov 2005) |
| Flood Zone | Zone X (minimal risk) |
| APN | 097980A000 |
| Primary APN | 097980A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,050 sqft Living Area |
| Gross Area | 2,560 sqft |
| 1st Floor Area | 1,050 sqft |
| Basement Area | 1,050 sqft |
| 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 | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Patio Area | 416 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 097980A000 |
|---|---|
| Street Address | 78 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 78 |
| Legal Subdivision | WEST WIND #3 |
| Legal Lot Number | 78 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 310700 |
78 Ruth Dr is owned and occupied by an individual who bought it in November 2005.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 78 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2005 · Amount on File |
| Deed Sale | Nov 21, 2005 · Amount on File |
| Deed Document Number | 20051115940 |
| Deed Book / Page | 4352 / 454 |
| Prior Transfer Date | Oct 1, 1995 |
| Prior Transfer Doc | 0000012339 |
| Record Updated | Sep 20, 2026 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $41,372 | $217,747 Land $55,000 Building $162,747 |
| 2023 | $39,828 | |
| 2022 | $209,619 Land $40,000 Building $169,619 |
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 78 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 78 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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