109 W 3rd St, O Fallon, IL 62269 Property Records

St. Clair County property record for 109 W 3rd St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,284 sqft · built 1917
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,309 (2025)
Deeds & Mortgages	May 2026 Transfer Sep 2020 Mortgage
APN	`04-30-0-415-005`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-415-005`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Living Area
Basement Area	1,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1985
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	6,970 sqft (0.16 acres)
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	632 sqft
Deck Area	228 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	109 W 3RD ST
City	O FALLON
State	IL
Zip	62269-2036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FELDMANN & HOFFMANNSADD TO O FALLON LOT/SEC-5 DOC A02392594
Legal Subdivision	FELDMANN & HOFFMANNSADD
Legal Block	415
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3000
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	109 W 3RD ST, O FALLON, IL 62269-2036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Transfer on Death Deed, Transfer
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF O'FALLON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2026
Deed Sale	May 12, 2026
Prior Sale	Nov 5, 2013 · Amount on Record
Deed Document Number	20262883179
Prior Transfer Date	May 11, 2026
Prior Transfer Doc	0002883179
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 12, 2026
Property Address	109 W 3RD ST, O FALLON, IL 62269-2036
Document Number	0002883179
Instrument Date	May 11, 2026
Instrument	20262883179
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	109 W 3RD ST, O FALLON, IL 62269-2036

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	109 W 3RD ST, O FALLON, IL 62269-2036
Document Number	00A2669471
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	BENEDICK TITLE, BENEDICK TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 W 3RD ST O FALLON IL 622692036, O FALLON, IL 62269-2036

Mortgage

Document Number	00A2669471
Date	Oct 1, 2020
Instrument	2669471

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

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	$4,309.00 (+9.45%) Homeowner's exemption	$65,789 (+9.62%) Land $4,794 Building $60,995	$197,367 (+9.62%) Land $14,382 Building $182,985
2024	$3,937.00	$60,015 (+22.55%) Land $4,373 Building $55,642	$180,045 (+22.55%) Land $13,119 Building $166,926
2022		$48,971 Land $3,568 Building $45,403	$146,913 Land $10,704 Building $136,209

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	Not rated no burnable land within 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 460 locations within half a mile, as of December 31, 2025

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

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

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