St. Clair County property record for 108 Summerlin Rdg, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,351 sqft · built 1999 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Apr 2019) |
| Deeds & Mortgages | Dec 2020 Mortgage Feb 2020 Mortgage + 2 more |
| APN | 04-18-0-205-002 |
| Primary APN | 04-18-0-205-002 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,351 sqft Living Area |
| Basement Area | 2,197 sqft |
| Finished Basement | 2,197 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Mixed |
| Garage Area | 812 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 984 sqft |
| Deck Area | 95 sqft |
| Patio Area | 288 sqft |
| Cooling System | Central |
|---|
| Street Address | 108 SUMMERLIN RDG |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-6694 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOREST HILLS ATLINCOLN FARM LOT/SEC-28 A02609827 |
| Legal Subdivision | FOREST HILLS |
| Legal Block | 205 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 504355 |
108 Summerlin Rdg is owned and occupied by two individuals who bought it in April 2019.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 SUMMERLIN RDG, O FALLON, IL 62269-6694 |
| 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.
| Date | Document |
|---|---|
| Dec 15, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Feb 10, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Apr 15, 2019 | Grant Deed, Transfer · VA Mortgage AMERICAN PORTFOLIO MTG |
| Jan 24, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2019 · Amount on File |
| Deed Sale | Apr 15, 2019 · Amount on File |
| Prior Sale | Jun 28, 2000 · Amount on File |
| Deed Document Number | 20192609827 |
| Prior Transfer Date | Jan 18, 2018 |
| Prior Transfer Doc | 00A2565501 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 108 SUMMERLIN RDG, O FALLON, IL 62269-6694 |
| Document Number | 00A2682684 |
| Instrument Date | Dec 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 SUMMERLIN RDG O FALLON IL 622696694, O FALLON, IL 62269-6694 |
| Document Number | 00A2682684 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 2682684 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 7, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 108 SUMMERLIN RDG, O FALLON, IL 62269-6694 |
| Document Number | 00A2643022 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2020 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 SUMMERLIN RDG O FALLON IL 622696694, O FALLON, IL 62269-6694 |
| Document Number | 00A2643022 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | 2643022 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 20, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Apr 15, 2019 |
| Property Address | 108 SUMMERLIN RDG, O FALLON, IL 62269-6694 |
| Document Number | 00A2609827 |
| Instrument Date | Apr 8, 2019 |
| Instrument | 2609827 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2019 |
| Title Company | FIRST AMERICAN |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 SUMMERLIN RDG O FALLON IL 622696694, O FALLON, IL 62269-6694 |
| Document Number | A2609828 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 2609828 |
| Name | AMERICAN PORTFOLIO MTG |
|---|---|
| Type | Mortgage Company |
| Address | PALATINE, IL 60074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 14, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Jan 24, 2018 |
| Property Address | 108 SUMMERLIN RDG, O FALLON, IL 62269-6694 |
| Document Number | 00A2565501 |
| Instrument Date | Jan 18, 2018 |
| Instrument | 2565501 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 8689 LEWIS RIVER RD DELRAY BEACH FL 334469672, DELRAY BEACH, FL 33446-9672 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $152,669 (+9.62%) Land $21,433 Building $131,236 | $458,007 (+9.62%) Land $64,299 Building $393,708 |
| 2024 | $139,271 Land $19,552 Building $119,719 | $417,813 Land $58,656 Building $359,157 |
| 2022 | $113,643 Land $15,954 Building $97,689 | $340,929 Land $47,862 Building $293,067 |
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 108 Summerlin Rdg; there have been 4 flood claims nearby since 1980.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 4 (1980–2022) |
| Claims Outside the SFHA | 2 of 4 |
| 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.
Wildfire risk around 108 Summerlin Rdg 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 94% of the US · lower than 61% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wisper ISP Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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