115 Ruth Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 115 Ruth Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 744 sqft · built 1962
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$91,500 (May 2000)
Tax Bill	$5,716 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2017 Loan Modification
APN	`04-31-0-208-017`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-208-017`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	744 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	22,216 sqft (0.51 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	1,008 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	115 RUTH DR
City	O FALLON
State	IL
Zip	62269-2444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASBURY PARK LOT/SEC-46 LTS 46 & 47 BK A01555136
Legal Subdivision	ASBURY PARK
Legal Block	208
Legal Lot Number	46,47
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2000
Census Tract	504354

Owner

115 Ruth Dr is owned and occupied by two individuals who bought it in May 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 RUTH DR, O FALLON, IL 62269-2444
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
Jun 16, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 16, 2017	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2000 · Amount on File
Deed Sale	May 3, 2000 · Amount on File
Deed Document Number	20001555136
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	115 RUTH DR, O FALLON, IL 62269-2444
Transaction Type	Mortgage
Record Updated	Aug 24, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02703675
Date	Jun 16, 2021
Instrument	A02703675

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR IL
Property Address	115 RUTH DR, O FALLON, IL 62269-2444
Document Number	00A2530464
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 RUTH DR O FALLON IL 622692444, O FALLON, IL 62269-2444

Mortgage

Document Number	00A2530464
Date	Mar 20, 2017
Instrument	2530464

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2047

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 115 Ruth Dr was $5,716 with a homeowner's exemption.

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	$5,716.00	$85,308 Land $13,439 Building $71,869	$255,924 Land $40,317 Building $215,607
2022		$63,501 Land $10,004 Building $53,497	$190,503 Land $30,012 Building $160,491

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 115 Ruth Dr; 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

Wildfire risk around 115 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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