106 Edward St, O Fallon, IL 62269 Property Records

St. Clair County property record for 106 Edward St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,973 sqft · built 1955
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,500 (May 2020)
Tax Bill	$5,603 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Sale & Mortgage
APN	`04-30-0-422-003`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-422-003`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,973 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1985
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Mixed
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	106 EDWARD ST
City	O FALLON
State	IL
Zip	62269-2452
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS PARK GARDENS,SUB OF BLK 3 LOT/SEC-3 A02652525
Legal Subdivision	THOMAS
Legal Block	3
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3013
Census Tract	504354

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	106 EDWARD ST, O FALLON, IL 62269-2452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC
May 29, 2020	Warranty Deed, Transfer · Conventional with PMI ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on Record
Deed Sale	May 29, 2020 · Amount on Record
Prior Sale	May 8, 2015 · Amount on Record
Deed Document Number	20202652525
Prior Transfer Date	Sep 23, 2006
Prior Transfer Doc	0002003818
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	106 EDWARD ST, O FALLON, IL 62269-2452
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02707306
Date	Jul 12, 2021
Instrument	A02707306

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 29, 2020
Property Address	106 EDWARD ST, O FALLON, IL 62269-2452
Document Number	00A2652525
Instrument Date	May 28, 2020
Instrument	2652525
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
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	106 EDWARD ST O FALLON IL 622692452, O FALLON, IL 62269-2452

Mortgage

Document Number	A2652526
Date	May 29, 2020
Instrument	2652526

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

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	$5,603.00	$77,730 (+34.34%) Land $11,179 Building $66,551	$233,190 (+34.34%) Land $33,537 Building $199,653
2022		$57,860 Land $8,321 Building $49,539	$173,580 Land $24,963 Building $148,617

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 Claims	4 (1979–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2013 · other causes

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 99.1% of the US · lower than 94% 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, i3 Broadband, Verizon.

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