1106 Affirm Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 1106 Affirm Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,956 sqft · built 1989
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Feb 2024)
Tax Bill	$5,844 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Feb 2020 Line of Credit
APN	`04-31-0-210-025`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-210-025`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,956 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1990
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1106 AFFIRM DR
City	O FALLON
State	IL
Zip	62269-3400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFALLON MEADOWS 1STADD LOT/SEC-59 S PT LT 59 A02805089
Legal Subdivision	OFALLON MEADOWS 1STADD
Legal Block	210
Legal Lot Number	59
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2003
Census Tract	504354

Owner

1106 Affirm Dr is owned and occupied by an individual who bought it in February 2024.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1106 AFFIRM DR, O FALLON, IL 62269-3400
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Feb 18, 2020	Deed of Trust, Mortgage · Line of Credit CROSSROADS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2024 · Amount on File
Deed Sale	Feb 9, 2024 · Amount on File
Prior Sale	Feb 3, 2009 · Amount on File
Deed Document Number	20242805089
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 9, 2024
Property Address	1106 AFFIRM DR, O FALLON, IL 62269-3400
Document Number	0A02805089
Map Reference	MB 86 PG 64
Instrument Date	Jan 30, 2024
Instrument	A02805089
Transaction Type	Transfer
Record Updated	Feb 23, 2024
Title Company	NOT AVAILABLE, BENCHMARK TTL A DIV OF FIDEL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 AFFIRM DR, O FALLON, IL 62269-3400

Mortgage

Document Number	0A02805090
Date	Feb 9, 2024
Instrument	A02805090

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.99%
Change Frequency	10 Years

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1106 AFFIRM DR, O FALLON, IL 62269-3400
Document Number	00A2644141
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2020
Title Company	BENCHMARK TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1106 AFFIRM DR O FALLON IL 622693400, O FALLON, IL 62269-3400

Mortgage

Document Number	00A2644141
Date	Mar 3, 2020
Instrument	2644141

Lender

Name	CROSSROADS BK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1106 Affirm Dr was $5,844.

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	$5,844.00	$80,707 Land $15,924 Building $64,783	$242,121 Land $47,772 Building $194,349
2022		$60,076 Land $11,853 Building $48,223	$180,228 Land $35,559 Building $144,669

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

FEMA has no flood map on file for 1106 Affirm Dr; 5 flood insurance policies are in force nearby.

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	5 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

The area around 1106 Affirm Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: ClearWave.

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