108 White Pine Ave, O Fallon, IL 62269 Property Records

St. Clair County property record for 108 White Pine Ave, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 884 sqft · built 2009
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Apr 2019)
Tax Bill	$5,101 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2019 Mortgage + 1 more
APN	`04-31-0-216-011`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-216-011`

Interior

Full Baths	3 Baths
Building Area	884 sqft Living Area
Upper Floors Area	28 sqft

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Split Level
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	108 WHITE PINE AVE
City	O FALLON
State	IL
Zip	62269-2533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE TREE ESTATES 2ND ADDITION RESUB OF LOT/SEC-4 A02608336
Legal Subdivision	PINE TREE ADDITION
Legal Block	216
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2000
Census Tract	504354

Owner

108 White Pine Ave 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 WHITE PINE AVE, O FALLON, IL 62269-2533
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
Jul 20, 2020	Deed of Trust, Mortgage · Conventional with PMI BUSEY BK
Aug 20, 2019	Deed of Trust, Mortgage BANK OF EDWARDSVILLE
Apr 1, 2019	Warranty Deed, Transfer · Conventional with PMI BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on File
Deed Sale	Apr 1, 2019 · Amount on File
Prior Sale	Jun 13, 2016 · Amount on File
Deed Document Number	20192608336
Prior Transfer Date	Sep 17, 2014
Prior Transfer Doc	0002427232
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	108 WHITE PINE AVE, O FALLON, IL 62269-2533
Document Number	00A2659583
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 WHITE PINE AVE O FALLON IL 622692533, O FALLON, IL 62269-2533

Mortgage

Document Number	00A2659583
Date	Jul 28, 2020
Instrument	2659583

Lender

Name	BUSEY BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jul 27, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	108 WHITE PINE AVE, O FALLON, IL 62269-2533
Document Number	00A2624392
Instrument Date	Aug 20, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 WHITE PINE AVE O FALLON IL 622692533, O FALLON, IL 62269-2533

Mortgage

Document Number	00A2624392
Date	Aug 30, 2019
Instrument	2624392

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Amount	Amount on Record
Term	336 Months
Due	Aug 29, 2047

Interest

Rate Type	Fixed Rate
Rate	4.62%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 1, 2019
Property Address	108 WHITE PINE AVE, O FALLON, IL 62269-2533
Document Number	00A2608336
Instrument Date	Mar 28, 2019
Instrument	2608336
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 WHITE PINE AVE O FALLON IL 622692533, O FALLON, IL 62269-2533

Mortgage

Document Number	A2608337
Date	Apr 1, 2019
Instrument	2608337

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 108 White Pine Ave was $5,101 with a homeowner's exemption, up 9.3% 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	$5,101.00 (+9.28%) Homeowner's exemption	$76,777 (+9.62%) Land $12,817 Building $63,960	$230,331 (+9.62%) Land $38,451 Building $191,880
2024	$4,668.00	$70,039 Land $11,692 Building $58,347	$210,117 Land $35,076 Building $175,041
2022		$57,151 Land $9,540 Building $47,611	$171,453 Land $28,620 Building $142,833

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 White Pine Ave; 5 flood insurance policies are in force nearby.

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	5 in force

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

The area around 108 White Pine Ave 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.

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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