202 Locust Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 202 Locust Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,788 sqft · built 1992
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$113,000 (Aug 2018)
Tax Bill	$5,807 (2025)
Deeds & Mortgages	Dec 2025 Construction Loan Dec 2025 Construction Loan + 5 more
APN	`09-08-0-205-101`

Property Details

APN / Parcel Number

Primary APN	`09-08-0-205-101`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,788 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	202 LOCUST DR
City	O FALLON
State	IL
Zip	62269-3215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTHRIDGE ESTATES 1ST ADD LOT/SEC-29 A02588597
Legal Subdivision	SOUTHRIDGE ESTATES
Legal Block	205
Jurisdiction	ST CLAIR IL
Township / Civil Division	SHILOH VALLEY
Census Block Group	2
Census Block	2059
Census Tract	503907

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	608 GREEN HAVEN DR, SWANSEA, IL 62226-1891
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · Construction Mortgage FCB BANKS
Dec 3, 2025	Deed of Trust, Mortgage · Construction Mortgage FCB BANKS
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Nov 15, 2019	Deed of Trust, Mortgage · Conventional with PMI GUILD MTG
Oct 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUILD MTG
Aug 30, 2018	Quit Claim Deed, Transfer ILLINOIS TITLE AND ESCROW
Jul 19, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Jul 19, 2018
Deed Document Number	20182588597
Prior Transfer Date	Aug 13, 2018
Prior Transfer Doc	0002588597
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	202 LOCUST DR, O FALLON, IL 62269-3215
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0A02869030
Date	Dec 15, 2025
Instrument	A02869030

Lender

Name	FCB BANKS
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	202 LOCUST DR, O FALLON, IL 62269-3215
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0A02867948
Date	Dec 3, 2025
Instrument	A02867948

Lender

Name	FCB BANKS
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	202 LOCUST DR, O FALLON, IL 62269-3215
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02687607
Date	Feb 16, 2021
Instrument	A02687607

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate
Rate	3%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	202 LOCUST DR, O FALLON, IL 62269-3215
Document Number	00A2633856
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	202 LOCUST DR O FALLON IL 622693215, O FALLON, IL 62269-3215

Mortgage

Document Number	00A2633856
Date	Nov 19, 2019
Instrument	2633856

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Nov 18, 2039

Interest

Rate	4.87%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	202 LOCUST DR, O FALLON, IL 62269-3215
Document Number	00A2593149
Instrument Date	Oct 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018
Title Company	ILLINOIS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	202 LOCUST DR O FALLON IL 622693215, O FALLON, IL 62269-3215

Mortgage

Document Number	00A2593149
Date	Oct 12, 2018
Instrument	2593149

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 11, 2038

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 30, 2018
Property Address	202 LOCUST DR, O FALLON, IL 62269-3215
Document Number	00A2588597
Instrument Date	Aug 13, 2018
Instrument	2588597
Transaction Type	Transfer
Record Updated	Sep 14, 2018
Title Company	ILLINOIS TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Tax	$169.50
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	608 GREEN HAVEN DR SWANSEA IL 622261891, SWANSEA, IL 62226-1891

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 19, 2018
Property Address	202 LOCUST DR, O FALLON, IL 62269-3215
Document Number	00A2583100
Instrument Date	Jul 6, 2018
Instrument	2583100
Transaction Type	Foreclosure
Record Updated	Aug 29, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	800 MORELAND ST OWENSBORO KY 423012046, OWENSBORO, KY 42301-2046
Investor	Possibly a Property Investor

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	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	$5,807.00 (+8.34%)	$78,622 (+8.73%) Land $13,286 Building $65,336	$235,866 (+8.73%) Land $39,858 Building $196,008
2024	$5,360.00	$72,309 (+18.26%) Land $12,219 Building $60,090	$216,927 (+18.26%) Land $36,657 Building $180,270
2022		$61,144 Land $11,048 Building $50,096	$183,432 Land $33,144 Building $150,288

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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