1014 N Smiley St, O Fallon, IL 62269 Property Records

St. Clair County property record for 1014 N Smiley St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	1,231 sqft · built 1979
Lot Size	0.419 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Apr 2014)
Deeds & Mortgages	Jul 2018 Mortgage Sep 2017 Mortgage
APN	`04-20-0-309-007`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-309-007`

Interior

Stories	2 Stories
Building Area	1,231 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	18,295 sqft (0.419 acres)
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1014 N SMILEY ST
City	O FALLON
State	IL
Zip	62269-1232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWOOD EAST 17TH ADDITION LOT/SEC-384 A02409596
Legal Subdivision	FAIRWOOD EAST
Legal Lot Number	384
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1017
Census Tract	504351

Owner

Source: St. Clair County records, as of August 23, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1014 N SMILEY ST, O FALLON, IL 62269-1232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage ST LOUIS CMNTY CU
Sep 30, 2017	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Last Sale	Apr 22, 2014 · Amount on Record
Deed Sale	Apr 22, 2014 · Amount on Record
Deed Document Number	A02409596
Record Updated	Jun 7, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1014 N SMILEY ST, O FALLON, IL 62269-1232
Document Number	00A2584546
Instrument Date	Jul 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	BENCHMARK TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1014 N SMILEY ST O FALLON IL 622691232, O FALLON, IL 62269-1232

Mortgage

Document Number	00A2584546
Date	Jul 31, 2018
Instrument	2584546

Lender

Name	ST LOUIS CMNTY CU
Type	Credit Union
Address	ST LOUIS, MO 63108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 30, 2028

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1014 N SMILEY ST, O FALLON, IL 62269-1232
Document Number	00A2554546
Instrument Date	Sep 30, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1014 N SMILEY ST O FALLON IL 622691232, O FALLON, IL 62269-1232

Mortgage

Document Number	00A2554546
Date	Oct 10, 2017
Instrument	2554546

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Oct 9, 2044

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2022

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	Assessed Value	Assessed Market Value
2022	$75,169 Land $14,894 Building $60,275	$225,507 Land $44,682 Building $180,825

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 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

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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