1703 Cross St, O Fallon, IL 62269 Property Records

St. Clair County property record for 1703 Cross St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 998 sqft · built 1897
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Trust Names on File
Last Sale	$93,000 (Jan 2023)
Tax Bill	$2,560 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jan 2023 Sale & Mortgage
APN	`09-05-0-401-025`

Property Details

APN / Parcel Number

Primary APN	`09-05-0-401-025`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	998 sqft Living Area

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1975
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	11,761 sqft (0.27 acres)
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Canopy	97 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1703 CROSS ST
City	O FALLON
State	IL
Zip	62269-2912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHILOH VALLEY TWP SECTION 5 PT LT 57 C A02871698
Legal Subdivision	SHILOH VALLEY TWP
Legal Block	401
Legal Lot Number	57
Jurisdiction	ST CLAIR IL
Township / Civil Division	SHILOH VALLEY
Census Block Group	1
Census Block	1005
Census Tract	503907

Owner

1703 Cross St is held in a trust since January 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	516 W WASHINGTON ST, O FALLON, IL 62269-1063
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
Jan 15, 2026	Intrafamily Transfer, Transfer
Jan 13, 2023	Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023 · Amount on File
Deed Sale	Jan 13, 2023 · Amount on File
Prior Sale	Sep 7, 2006 · Amount on File
Deed Document Number	20232770974
Last Transfer Date	Jan 14, 2026
Transfer Doc	0002871698
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Jan 15, 2026
Property Address	1703 CROSS ST, O FALLON, IL 62269-2912
Document Number	0A02871698
Map Reference	MB A PG 327
Instrument Date	Jan 14, 2025
Instrument	A02871698
Transaction Type	Transfer
Record Updated	Feb 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	516 W WASHINGTON ST, O FALLON, IL 62269-1063

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 13, 2023
Property Address	1703 CROSS ST, O FALLON, IL 62269-2912
Document Number	0A02770974
Map Reference	MB A PG 327
Instrument Date	Jan 11, 2023
Instrument	A02770974
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93.00
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 in Severalty
Address	516 W WASHINGTON ST, O FALLON, IL 62269-1063

Mortgage

Document Number	0A02770975
Date	Jan 13, 2023
Instrument	A02770975

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.99%

Tax Assessment & Valuation

The 2025 property tax bill for 1703 Cross St was $2,560, up 8.3% 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	Shiloh Valley Township
Municipality	Shiloh Village
Secondary School District	O'Fallon Township High School District 203 (09 - 12)
Elementary School District	Shiloh Village School District 85 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,560.00 (+8.34%)	$34,663 (+8.73%) Land $3,234 Building $31,429	$103,989 (+8.73%) Land $9,702 Building $94,287
2024	$2,363.00	$31,880 Land $2,974 Building $28,906	$95,640 Land $8,922 Building $86,718
2022		$22,232 Land $2,689 Building $19,543	$66,696 Land $8,067 Building $58,629

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 1703 Cross St; 4 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 1703 Cross St is low, with less than a 0.01% annual chance of 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	IL AMERICAN-EAST ST LOUIS private · serves 131,368 people · EPA ID IL1635040
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 131 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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