1013 N Smiley St, O Fallon, IL 62269 Property Records

St. Clair County property record for 1013 N Smiley St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	1,218 sqft · built 1979
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,207 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2020 Mortgage + 1 more
APN	`04-20-0-311-041`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-311-041`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,218 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	28,750 sqft (0.66 acres)
Garage Type	Mixed
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	568 sqft
Patio Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1013 N SMILEY ST
City	O FALLON
State	IL
Zip	62269-1248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWOOD EAST 17TH ADDITION LOT/SEC-392 A02855919
Legal Subdivision	TH ADDITION
Legal Block	311
Legal Lot Number	392
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2001
Census Tract	504351

Owner

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	1013 N SMILEY ST, O FALLON, IL 62269-1248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2023	Deed of Trust, Mortgage · Line of Credit ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BENCHMARK MTG
Aug 8, 2018	Warranty Deed, Transfer · FHA Mortgage BENCHMARK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2025
Deed Sale	Aug 6, 2025
Prior Sale	Aug 8, 2018 · Amount on Record
Deed Document Number	20252855919
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1013 N SMILEY ST, O FALLON, IL 62269-1248
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02775102
Date	Mar 2, 2023
Instrument	A02775102

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1013 N SMILEY ST, O FALLON, IL 62269-1248
Document Number	00A2665066
Instrument Date	Aug 24, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1013 N SMILEY ST O FALLON IL 622691248, O FALLON, IL 62269-1248

Mortgage

Document Number	00A2665066
Date	Sep 1, 2020
Instrument	2665066

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 8, 2018
Property Address	1013 N SMILEY ST, O FALLON, IL 62269-1248
Document Number	00A2585700
Instrument Date	Jul 31, 2018
Instrument	2585700
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1013 N SMILEY ST O FALLON IL 622691248, O FALLON, IL 62269-1248

Mortgage

Document Number	A2585701
Date	Aug 8, 2018
Instrument	2585701

Lender

Name	BENCHMARK MTG
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

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	$8,207.00	$119,857 (+34.34%) Land $24,681 Building $95,176	$359,571 (+34.34%) Land $74,043 Building $285,528
2022		$89,219 Land $18,372 Building $70,847	$267,657 Land $55,116 Building $212,541

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

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	3 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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

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 301 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Wisper ISP.

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