St. Clair County property record for 1005 Oak Tree Ct, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,148 sqft · built 1984 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,000 (Sep 2022) |
| Tax Bill | $6,695 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Sep 2022 Sale & Mortgage |
| APN | 04-32-0-204-026 |
| Primary APN | 04-32-0-204-026 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,148 sqft Living Area |
| Upper Floors Area | 28 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Mixed |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 656 sqft |
| Deck Area | 48 sqft |
| Patio Area | 220 sqft |
| Cooling System | Central |
|---|
| Street Address | 1005 OAK TREE CT |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-2837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK TREE ESTATES 3RDADDITION LOT/SEC-44 A02761152 |
| Legal Subdivision | OAK TREE ESTATES |
| Legal Block | 204 |
| Legal Lot Number | 44 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 504352 |
Source: St. Clair County records, as of September 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1005 OAK TREE CT, O FALLON, IL 62269-2837 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Sep 29, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2022 · Amount on Record |
| Deed Sale | Sep 29, 2022 · Amount on Record |
| Prior Sale | Mar 2, 2015 · Amount on Record |
| Deed Document Number | 20222761152 |
| Prior Transfer Date | Sep 29, 2010 |
| Prior Transfer Doc | 00A2234178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 1005 OAK TREE CT, O FALLON, IL 62269-2837 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2025 |
| Title Company | CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0A02861744 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | A02861744 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 29, 2022 |
| Property Address | 1005 OAK TREE CT, O FALLON, IL 62269-2837 |
| Document Number | 0A02761152 |
| Map Reference | MB 78 PG 71 |
| Instrument Date | Sep 26, 2022 |
| Instrument | A02761152 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $295.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1005 OAK TREE CT, O FALLON, IL 62269-2837 |
| Document Number | 0A02761153 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | A02761153 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.12% |
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,695.00 (+8.4%) | $92,888 (+9.62%) Land $13,010 Building $79,878 | $278,664 (+9.62%) Land $39,030 Building $239,634 |
| 2024 | $6,176.00 | $84,736 (+22.55%) Land $11,868 Building $72,868 | $254,208 (+22.55%) Land $35,604 Building $218,604 |
| 2022 | $69,143 Land $9,684 Building $59,459 | $207,429 Land $29,052 Building $178,377 |
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.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% 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.
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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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