St. Charles County property record for 916 Ruth Dr, Saint Charles, MO 63301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,064 sqft · built 1970 |
| Lot Size | 0.166 acres (7,242 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $243,250 (Oct 2020) |
| Tax Bill | $3,302 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Aug 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 101170A000 |
| Primary APN | 101170A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,064 sqft Living Area |
| Gross Area | 2,765 sqft |
| 1st Floor Area | 1,364 sqft |
| Basement Area | 960 sqft |
| Finished Basement | 700 sqft |
| Unfinished Basement | 260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 7,242 sqft (0.166 acres) |
| Lot Dimensions | 102 ft deep x 71 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 716 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 101170A000 |
|---|---|
| Street Address | 916 RUTH DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63301-1154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | WILLOW BROOK #2 LOT 299 LESS S 3 FT |
| Legal Subdivision | WILLOW BROOK #2 |
| Legal Lot Number | 299 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LINDENWOOD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 310700 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1 LAKE FOREST CT E, SAINT CHARLES, MO 63301-4539 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2020 | Warranty Deed, Transfer STIFEL BK&TR |
| Aug 6, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jul 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2020 · Amount on Record |
| Deed Sale | Oct 27, 2020 · Amount on Record |
| Prior Sale | Jul 29, 2019 · Amount on Record |
| Deed Document Number | 202082145 |
| Prior Transfer Date | Jul 30, 2019 |
| Prior Transfer Doc | 0071180932 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 27, 2020 |
| Property Address | 916 RUTH DR, SAINT CHARLES, MO 63301-1154 |
| Document Number | 0000082145 |
| Instrument Date | Oct 20, 2020 |
| Instrument | 82145 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2021 |
| Title Company | NETCO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1 LAKE FOREST CT E ST CHARLES MO 633014539, ST CHARLES, MO 63301-4539 |
| Document Number | 82146 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 82146 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 26, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 6, 2019 |
| Property Address | 916 RUTH DR, SAINT CHARLES, MO 63301-1154 |
| Document Number | 0071180932 |
| Book / Page | 007118 / 000932 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 408270 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 916 RUTH DR ST CHARLES MO 633011154, ST CHARLES, MO 63301-1154 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 29, 2019 |
| Property Address | 916 RUTH DR, SAINT CHARLES, MO 63301-1154 |
| Document Number | 0071130981 |
| Book / Page | 7113 / 0981 |
| Map Reference | MB 634 PG 479 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 20190729000390520 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 RUTH DR, SAINT CHARLES, MO 63301-1154 |
| Document Number | 0071130983 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | 7113/0983 |
| Instrument | 20190729000390530 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
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 | $52,682 (-) | $277,276 (-) Land $50,000 Building $227,276 | |
| 2025 | $3,302.00 (+2.29%) | $52,682 (+4.77%) | $277,276 (+4.77%) Land $50,000 Building $227,276 |
| 2024 | $3,228.00 | ||
| 2023 | $50,282 | ||
| 2022 | $264,641 Land $50,000 Building $214,641 |
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.
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.
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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