204 Spruce St, O Fallon, IL 62269 Property Records

St. Clair County property record for 204 Spruce St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,225 sqft · built 1963
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Tax Bill	$2,691 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2017 Mortgage
APN	`04-30-0-204-021`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-204-021`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,225 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Porch	Slab
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	204 SPRUCE ST
City	O FALLON
State	IL
Zip	62269-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTBROOK LOT/SEC-28 DOC A01833450
Legal Subdivision	WESTBROOK
Legal Block	204
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1048
Census Tract	504354

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	204 SPRUCE ST, O FALLON, IL 62269-1059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 24, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 8, 2004
Transfer Doc	00A1833450
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	204 SPRUCE ST, O FALLON, IL 62269-1059
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02731936
Date	Jan 3, 2022
Instrument	A02731936

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	204 SPRUCE ST, O FALLON, IL 62269-1059
Document Number	00A2545590
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 13, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SPRUCE ST O FALLON IL 622691059, O FALLON, IL 62269-1059

Mortgage

Document Number	00A2545590
Date	Jul 31, 2017
Instrument	2545590

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	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	$2,691.00	$43,339 (+34.34%) Land $7,981 Building $35,358	$130,017 (+34.34%) Land $23,943 Building $106,074
2022		$32,261 Land $5,941 Building $26,320	$96,783 Land $17,823 Building $78,960

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	2 in force
Nearby Flood Claims	3 (1990–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 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

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

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

May also be available: ClearWave, i3 Broadband, Verizon.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures