201 Ruth Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 201 Ruth Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,032 sqft · built 1959
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Sep 2018)
Tax Bill	$5,383 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2018 Sale & Mortgage
APN	`04-31-0-207-001`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-207-001`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,032 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1990
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Mixed
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	201 RUTH DR
City	O FALLON
State	IL
Zip	62269-2445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASBURY PARK LOT/SEC-40 DOC A02589560
Legal Subdivision	ASBURY PARK
Legal Block	207
Legal Lot Number	40
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2000
Census Tract	504354

Owner

201 Ruth Dr is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	201 RUTH DR, O FALLON, IL 62269-2445
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
Jan 6, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Sep 7, 2018	Warranty Deed, Transfer · FHA Mortgage DELMAR FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Prior Sale	Mar 3, 2014 · Amount on File
Deed Document Number	20182589560
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	201 RUTH DR, O FALLON, IL 62269-2445
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 RUTH DR, O FALLON, IL 62269-2445

Mortgage

Document Number	0A02870746
Date	Jan 6, 2026
Instrument	A02870746

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	478 Months
Due	Nov 1, 2065

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 7, 2018
Property Address	201 RUTH DR, O FALLON, IL 62269-2445
Document Number	00A2589560
Instrument Date	Sep 5, 2018
Instrument	2589560
Transaction Type	Transfer
Record Updated	Sep 24, 2018
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
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	201 RUTH DR O FALLON IL 622692445, O FALLON, IL 62269-2445

Mortgage

Document Number	A2589561
Date	Sep 7, 2018
Instrument	2589561

Lender

Name	DELMAR FIN'L
Type	Funding / Finance Company
Address	ST LOUIS, IL 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 201 Ruth Dr was $5,383.

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	$5,383.00	$74,678 Land $9,435 Building $65,243	$224,034 Land $28,305 Building $195,729
2022		$55,588 Land $7,023 Building $48,565	$166,764 Land $21,069 Building $145,695

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 201 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 201 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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