115 W 4th St, O Fallon, IL 62269 Property Records

St. Clair County property record for 115 W 4th St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 783 sqft · built 1854
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Aug 2026)
Tax Bill	$4,168 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2025 Line of Credit + 5 more
APN	`04-30-0-417-007`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-417-007`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	783 sqft Living Area
Basement Area	783 sqft
Unfinished Basement	783 sqft

Exterior

Year Built	Built 1854
Effective Year Built	Effective 1985
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	115 W 4TH ST
City	O FALLON
State	IL
Zip	62269-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FELDMANN & HOFFMANNSADD TO O FALLON LOT/SEC-17 DOC A02719654
Legal Subdivision	FELDMANN & HOFFMANNSADD
Legal Block	417
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3009
Census Tract	504354

Owner

115 W 4th St is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	115 W 4TH ST, O FALLON, IL 62269-2035
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
Aug 5, 2026	Warranty Deed, Transfer · FHA Mortgage SCOTT CREDIT UNION
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit CROSSCOUNTRY MORTGAGE LLC
Oct 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 7, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PNC MTG
Mar 16, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BANK OF O'FALLON
Feb 27, 2017	Grant Deed, Transfer BENCHMARK TITLE COMPANY
Feb 27, 2017	Quit Claim Deed, Transfer BENCHMARK TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2026 · Amount on File
Deed Sale	Aug 5, 2026 · Amount on File
Prior Sale	Oct 1, 2021 · Amount on File
Deed Document Number	20262891765
Prior Transfer Date	Feb 13, 2017
Prior Transfer Doc	00A2528129
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 5, 2026
Property Address	115 W 4TH ST, O FALLON, IL 62269-2035
Document Number	0002891765
Instrument Date	Aug 4, 2026
Instrument	20262891765
Transaction Type	Transfer
Record Updated	Aug 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,572.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 W 4TH ST, O FALLON, IL 62269-2035

Mortgage

Date	Aug 5, 2026

Lender

Name	SCOTT CREDIT UNION

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	115 W 4TH ST, O FALLON, IL 62269-2035
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02867671
Date	Dec 2, 2025
Instrument	A02867671

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 1, 2021
Property Address	115 W 4TH ST, O FALLON, IL 62269-2035
Document Number	A02719654
Map Reference	MB A PG 157
Instrument Date	Sep 29, 2021
Instrument	A02719654
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	115 W 4TH ST, O FALLON, IL 62269-2035

Mortgage

Document Number	A02719655
Date	Oct 1, 2021
Instrument	A02719655

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 7, 2017
Property Address	115 W 4TH ST, O FALLON, IL 62269-2035
Document Number	00A2557669
Instrument Date	Nov 7, 2017
Instrument	2557669
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 28, 2018
Title Company	BENCHMARK TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 PONDEROSA AVE #1 O FALLON IL 622692566, 1, O FALLON, IL 62269-2566

Mortgage

Document Number	A2557670
Date	Nov 7, 2017
Instrument	2557670

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2047

Interest

Rate	4.25%

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 16, 2017
Property Address	115 W 4TH ST, O FALLON, IL 62269-2035
Instrument Date	Mar 13, 2017
Instrument	2530176
Transaction Type	Construction Loan
Record Updated	Apr 4, 2017
Title Company	BENEDICK TITLE, BENEDICK TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	718 W HIGHWAY 50 O FALLON IL 622691920, O FALLON, IL 62269-1920

Mortgage

Document Number	00A2530176
Date	Mar 16, 2017
Instrument	2530176

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O'FALLON, IL 62269-8626

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 15, 2018

Interest

Rate	5%

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 27, 2017
Property Address	115 W 4TH ST, O FALLON, IL 62269-2035
Document Number	00A2528130
Instrument Date	Feb 13, 2017
Instrument	2528130
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	BENCHMARK TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$47.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	103 N OAK ST O FALLON IL 622691165, O FALLON, IL 62269-1165

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 27, 2017
Property Address	115 W 4TH ST, O FALLON, IL 62269-2035
Document Number	00A2528129
Instrument Date	Feb 13, 2017
Instrument	2528129
Transaction Type	Transfer
Record Updated	Mar 31, 2017
Title Company	BENCHMARK TITLE COMPANY

Transaction

Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8909 S YALE AVE TULSA OK 741373557, TULSA, OK 74137-3557

Tax Assessment & Valuation

The 2025 property tax bill for 115 W 4th St was $4,168, up 8.4% from the year before.

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	$4,168.00 (+8.4%)	$57,833 (+9.62%) Land $4,745 Building $53,088	$173,499 (+9.62%) Land $14,235 Building $159,264
2024	$3,845.00	$52,758 Land $4,329 Building $48,429	$158,274 Land $12,987 Building $145,287
2022		$43,049 Land $3,532 Building $39,517	$129,147 Land $10,596 Building $118,551

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 115 W 4th St; there have been 4 flood claims nearby since 1979.

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

The area around 115 W 4th St 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 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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