This map shows route to get through St. Louis to St. Charles, and across the ferries (Brussels and Golden Eagle) to St. Charles.
IF, and IF is in caps for a reason, the Grafton Ferry is open, you can cross there, and take Pleasant Union to Maris Becket to Orchard Farm (V) to Blase Station to Church, to Seeburger. Should be able to use the map from there.

If you decide to go up the river road and use the ferries, PM me and I can give you some alternatives/tweaks/recommended eateries/watering holes.

http://www.mapmyride.com/routes/view/24211410