811 Ruth Dr, Saint Charles, MO 63301 Property Records

St. Charles County property record for 811 Ruth Dr, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,673 sqft · built 1969
Lot Size	0.292 acres (12,700 sqft)
Owner	2 Individual Names on File
Last Sale	$228,400 (Jan 2020)
Tax Bill	$3,224 (2025)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`101040A000`

Property Details

APN / Parcel Number

Primary APN	`101040A000`
Alternative APN	`6-005D-4544-00-0286.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,673 sqft Living Area
Gross Area	3,560 sqft
1st Floor Area	1,530 sqft
Basement Area	1,530 sqft
Finished Basement	143 sqft
Unfinished Basement	1,387 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,700 sqft (0.292 acres)
Lot Dimensions	127 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	182 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	101040A000
Street Address	811 RUTH DR
City	SAINT CHARLES
State	MO
Zip	63301-1151
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WILLOW BROOK #2 LOT 286
Legal Subdivision	WILLOW BROOK #2
Legal Lot Number	286
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2003
Census Tract	310700

Owner

811 Ruth Dr is owned and occupied by two individuals who bought it in January 2020.

Source: St. Charles County records, as of August 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	811 RUTH DR, SAINT CHARLES, MO 63301-1151
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2020 · Amount on File
Deed Sale	Jan 14, 2020 · Amount on File
Deed Document Number	202027680
Deed Book / Page	7216 / 127
Prior Transfer Date	Jun 3, 2013
Prior Transfer Doc	0060300394
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 14, 2020
Property Address	811 RUTH DR, SAINT CHARLES, MO 63301-1151
Document Number	0072160127
Book / Page	7216 / 0127
Map Reference	MB 13 PG 5
Instrument Date	Jan 10, 2020
Instrument	20200114000027680
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	811 RUTH DR, 811, SAINT CHARLES, MO 63301-1151

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	811 RUTH DR, SAINT CHARLES, MO 63301-1151

Mortgage

Document Number	20200114000027690
Date	Jan 14, 2020
Instrument	20200114000027690

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 811 Ruth Dr was $3,224, down 4.5% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$3,224.00 (-4.53%)	$51,430	$270,686 Land $50,000 Building $220,686
2024	$3,377.00
2023		$52,631
2022			$277,004 Land $50,000 Building $227,004

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 811 Ruth Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 811 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 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