St. Clair County property record for 105 Spruce St, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 950 sqft · built 1963 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Mar 2023) |
| Tax Bill | $2,918 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage |
| APN | 04-30-0-208-003 |
| Primary APN | 04-30-0-208-003 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 950 sqft Living Area |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Mixed |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Patio Area | 91 sqft |
| Cooling System | Central |
|---|
| Street Address | 105 SPRUCE ST |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-1058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTBROOK LOT/SEC-3 A02776064 |
| Legal Subdivision | WESTBROOK |
| Legal Block | 208 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 504354 |
105 Spruce St is owned and occupied by an individual who bought it in March 2023.
Source: St. Clair County records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 105 SPRUCE ST, O FALLON, IL 62269-1058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2023 · Amount on File |
| Deed Sale | Mar 15, 2023 · Amount on File |
| Prior Sale | Apr 1, 2015 · Amount on File |
| Deed Document Number | 20232776064 |
| Prior Transfer Date | Jan 14, 2014 |
| Prior Transfer Doc | 00A2403580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Mar 15, 2023 |
| Property Address | 105 SPRUCE ST, O FALLON, IL 62269-1058 |
| Document Number | 0A02776064 |
| Map Reference | MB 58 PG 51 |
| Instrument Date | Mar 9, 2023 |
| Instrument | A02776064 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2023 |
| Title Company | ACCENT TITLE, ACCENT TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 7545 OSO BLANCA ROAD, O FALLON, IL 62269 |
| Document Number | 0A02776065 |
|---|---|
| Date | Mar 15, 2023 |
| Instrument | A02776065 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
The 2025 property tax bill for 105 Spruce St was $2,918 with a homeowner's exemption.
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,918.00 | $46,490 Land $9,010 Building $37,480 | $139,470 Land $27,030 Building $112,440 |
| 2022 | $34,606 Land $6,707 Building $27,899 | $103,818 Land $20,121 Building $83,697 |
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.
FEMA has no flood map on file for 105 Spruce St; there have been 3 flood claims nearby since 1990.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1990–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2022 · Severe Storm And Flooding |
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 105 Spruce St 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: ClearWave, i3 Broadband, Verizon.
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