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178 Coles County Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 178 Coles County Dr, O Fallon, IL 62269

Property Summary

Property TypeSingle Family Home
Details4 ba · 1,092 sqft · built 1997
Lot Size0.33 acres (14,375 sqft)
Owner2 Individual Names on File
Last Sale$179,500 (Nov 2013)
Tax Bill$7,613 (2025)
Deeds & MortgagesMay 2026 Mortgage
Nov 2020 Mortgage
APN04-18-0-404-037

Property Details

APN / Parcel Number

Primary APN04-18-0-404-037

Interior

Full Baths4 Baths
Stories2 Stories
Building Area1,092 sqft Living Area
Upper Floors Area32 sqft
Basement Area1,092 sqft
Unfinished Basement1,092 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialCombination
Construction TypeFrame
Lot Area14,375 sqft (0.33 acres)
Garage Area644 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Deck Area192 sqft
Patio Area192 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address178 COLES COUNTY DR
CityO FALLON
StateIL
Zip62269-6662
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNOLIN CREEK EST AT LINCOLN FARM 3RD ADD LOT/SEC-102 DOC A02394418
Legal SubdivisionNOLIN CREEK
Legal Block404
Legal Lot Number102
JurisdictionST CLAIR IL
Township / Civil DivisionO'FALLON
Census Block Group1
Census Block1023
Census Tract504355

Owner

178 Coles County Dr is owned and occupied by two individuals who bought it in November 2013.

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

Owner of Record2 Individual Names on File
Mailing Address178 COLES COUNTY DR, O FALLON, IL 62269-6662
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
May 6, 2026Deed of Trust, Mortgage · Conventional Mortgage
DELMAR FINANCIAL COMPANY
Nov 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
CARROLLTON BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 20, 2013 · Amount on File
Deed SaleNov 20, 2013 · Amount on File
Prior SaleFeb 14, 2005 · Amount on File
Deed Document Number20132394418
Record UpdatedOct 29, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CLAIR IL
Recording DateMay 6, 2026
Property Address178 COLES COUNTY DR, O FALLON, IL 62269-6662
Document Number0002882581
Instrument DateApr 23, 2026
Instrument20262882581
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address178 COLES COUNTY DR, O FALLON, IL 62269-6662
InvestorPossibly a Property Investor

Mortgage

Document Number0002882581,
DateMay 6, 2026
Instrument20262882581
Lender
NameDELMAR FINANCIAL COMPANY
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 1, 2056
Interest
Rate TypeFixed Rate
Rate6.88%
Initial TypeFixed Rate
Max Rate-1%

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CLAIR IL
Property Address178 COLES COUNTY DR, O FALLON, IL 62269-6662
Document Number00A2676964
Instrument DateNov 16, 2020
Transaction TypeMortgage
Record UpdatedDec 30, 2020
Title CompanyCOMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address178 COLES COUNTY DR O FALLON IL 622696662, O FALLON, IL 62269-6662

Mortgage

Document Number00A2676964
DateNov 23, 2020
Instrument2676964
Lender
NameCARROLLTON BK
TypeBank
AddressO FALLON, IL 62269
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueNov 22, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 178 Coles County Dr was $7,613 with a homeowner's exemption, up 9% from the year before.

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

Property Jurisdictions

TypeName
StateIllinois
CountySt. Clair County
County SubdivisionO'Fallon Township
MunicipalityO'Fallon City
Elementary School DistrictO'Fallon Community Consolidated School District 90 (PK - 08)
Secondary School DistrictO'Fallon Township High School District 203 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,613.00 (+8.99%) Homeowner's exemption$111,619 (+9.62%) Land $24,922 Building $86,697$334,857 (+9.62%) Land $74,766 Building $260,091
2024$6,985.00$101,824 Land $22,735 Building $79,089$305,472 Land $68,205 Building $237,267
2022$83,086 Land $18,551 Building $64,535$249,258 Land $55,653 Building $193,605

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 178 Coles County Dr; there have been 4 flood claims nearby since 1980.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot on file
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims4 (1980–2022)
Claims Outside the SFHA2 of 4
Most Recent ClaimJul 2022 · Severe Storm And Flooding

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 178 Coles County 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 RiskNot 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 SystemO FALLON
serves 46,603 people · EPA ID IL1631100
Water SourcePurchased surface water from IL AMERICAN-EAST ST LOUIS
Last State InspectionNov 2023
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 292 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Wisper ISP
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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