St. Charles County property record for 815 Ruth Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,150 sqft · built 1970 |
| Lot Size | 0.302 acres (13,140 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,210 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 101030A000 |
| Primary APN | 101030A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,150 sqft Living Area |
| Gross Area | 3,184 sqft |
| 1st Floor Area | 1,358 sqft |
| Basement Area | 1,322 sqft |
| Finished Basement | 792 sqft |
| Unfinished Basement | 530 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,140 sqft (0.302 acres) |
| Lot Dimensions | 146 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 101030A000 |
|---|---|
| Street Address | 815 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 285 |
| Legal Subdivision | WILLOW BROOK #2 |
| Legal Lot Number | 285 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 310700 |
815 Ruth Dr is owned and occupied by two individuals who acquired it in May 2024.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 815 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2016 |
| Deed Sale | Aug 31, 2016 |
| Prior Sale | Nov 21, 2013 · Amount on File |
| Deed Document Number | 2016569340 |
| Deed Book / Page | 6603 / 1672 |
| Last Transfer Date | May 24, 2024 |
| Transfer Doc | 0000020555 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 815 Ruth Dr was $3,210.
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 | $51,191 (-) | $269,426 (-) Land $50,000 Building $219,426 | |
| 2025 | $3,210.00 | $51,191 | $269,426 Land $50,000 Building $219,426 |
| 2023 | $48,798 (+24.22%) | ||
| 2022 | $2,703.00 | $39,282 | $256,833 (+24.23%) Land $50,000 Building $206,833 |
| 2021 | $206,747 Land $40,000 Building $166,747 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 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 |
|
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 815 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 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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