104 Ruth Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 104 Ruth Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,480 sqft · built 1959
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$268,500 (Nov 2025)
Tax Bill	$3,786 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2025 Sale & Mortgage
APN	`04-31-0-206-019`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-206-019`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,480 sqft Living Area
Basement Area	1,180 sqft
Finished Basement	1,180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	104 RUTH DR
City	O FALLON
State	IL
Zip	62269-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASBURY PARK LOT/SEC-29 A02866057
Legal Subdivision	ASBURY PARK
Legal Block	206
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3020
Census Tract	504354

Owner

104 Ruth Dr is owned and occupied by an individual who bought it in November 2025.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	104 RUTH DR, O FALLON, IL 62269-2443
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

Date	Document
May 31, 2023	Deed of Trust, Mortgage · Line of Credit TOGETHER CU
Nov 12, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2025 · Amount on File
Deed Sale	Nov 12, 2025 · Amount on File
Prior Sale	Apr 1, 1997 · Amount on File
Deed Document Number	20252866057
Prior Transfer Date	Sep 16, 2014
Prior Transfer Doc	0002426556
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	104 RUTH DR, O FALLON, IL 62269-2443
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02782449
Date	May 31, 2023
Instrument	A02782449

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Jun 30, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 12, 2025
Property Address	104 RUTH DR, O FALLON, IL 62269-2443
Document Number	0A02866057
Map Reference	MB 52 PG 14
Instrument Date	Oct 31, 2025
Instrument	A02866057
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 RUTH DR, O FALLON, IL 62269-2443

Mortgage

Document Number	0A02866058
Date	Nov 12, 2025
Instrument	A02866058

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.25%

Tax Assessment & Valuation

The 2025 property tax bill for 104 Ruth Dr was $3,786 with exemptions applied, up 2.4% from the year before.

Source: St. Clair County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	O'Fallon Township
Municipality	O'Fallon City
Elementary School District	O'Fallon Community Consolidated School District 90 (PK - 08)
Secondary School District	O'Fallon Township High School District 203 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,786.00 (+2.41%) Homeowner's exemption Senior Citizen's exemption	$76,243 (+9.62%) Land $9,666 Building $66,577	$228,729 (+9.62%) Land $28,998 Building $199,731
2024	$3,697.00 Homeowner's exemption Senior Citizen's exemption	$69,552 Land $8,818 Building $60,734	$208,656 Land $26,454 Building $182,202
2022		$56,753 Land $7,195 Building $49,558	$170,259 Land $21,585 Building $148,674

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 has no flood map on file for 104 Ruth Dr; there have been 4 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	4 (1979–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2013 · other causes

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

Wildfire risk around 104 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 98% of the US · lower than 86% of Illinois
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	O FALLON serves 46,603 people · EPA ID IL1631100
Water Source	Purchased surface water from IL AMERICAN-EAST ST LOUIS
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: ClearWave.

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