108 Ruth Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 108 Ruth Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,420 sqft · built 1959
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (May 2020)
Tax Bill	$3,985 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
APN	`04-31-0-206-017`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-206-017`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,420 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1990
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Mixed
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	108 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-31 A02649779
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

108 Ruth Dr is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	108 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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2020 · Amount on File
Deed Sale	May 1, 2020 · Amount on File
Prior Sale	May 24, 2011 · Amount on File
Deed Document Number	20202649779
Prior Transfer Date	May 23, 2011
Prior Transfer Doc	0002265810
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 1, 2020
Property Address	108 RUTH DR, O FALLON, IL 62269-2443
Document Number	00A2649779
Instrument Date	Apr 30, 2020
Instrument	2649779
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	108 RUTH DR O FALLON IL 622692443, O FALLON, IL 62269-2443

Mortgage

Document Number	A2649780
Date	May 1, 2020
Instrument	2649780

Lender

Name	CARROLLTON BK
Type	Bank
Address	CARROLLTON, IL 62016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 108 Ruth Dr was $3,985 with a homeowner's exemption, up 9.5% 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	$3,985.00 (+9.54%) Homeowner's exemption	$61,287 (+9.62%) Land $9,668 Building $51,619	$183,861 (+9.62%) Land $29,004 Building $154,857
2024	$3,638.00	$55,909 Land $8,820 Building $47,089	$167,727 Land $26,460 Building $141,267
2022		$45,169 Land $7,197 Building $37,972	$135,507 Land $21,591 Building $113,916

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 108 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 108 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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