207 Howard Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 207 Howard Dr, O Fallon, IL 62269

Property Summary

Property Type	Duplex
Details	5 ba · 1,040 sqft · built 1975
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Jan 2025)
Tax Bill	$4,651 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2019 Sale & Line of Credit
APN	`04-29-0-202-009`

Property Details

APN / Parcel Number

Primary APN	`04-29-0-202-009`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,040 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Duplex Single
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	207 HOWARD DR
City	O FALLON
State	IL
Zip	62269-1523
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	HOWARD PLACE 1ST ADD LOT/SEC-34 A02836548
Legal Subdivision	HOWARD PLACE 1ST ADD
Legal Block	202
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1022
Census Tract	504351

Owner

207 Howard Dr, a duplex, is owned by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	12851 DEL REY DR, SANTA ANA, CA 92705-3425
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
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID BK&TR NA
Nov 1, 2019	Warranty Deed, Transfer · Line of Credit COMMUNITY BK/TRENTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2025 · Amount on File
Deed Sale	Jan 9, 2025 · Amount on File
Prior Sale	Nov 1, 2019 · Amount on File
Deed Document Number	20252836548
Prior Transfer Date	Dec 26, 2024
Prior Transfer Doc	0002836548
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	207 HOWARD DR, O FALLON, IL 62269-1523
Document Number	00A2673920
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Dec 4, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 HOWARD DR O FALLON IL 622691523, O FALLON, IL 62269-1523

Mortgage

Document Number	00A2673920
Date	Nov 2, 2020
Instrument	2673920

Lender

Name	FIRST MID BK&TR NA
Address	MATTOON, IL 61938

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 1, 2019
Property Address	207 HOWARD DR, O FALLON, IL 62269-1523
Document Number	00A2632068
Instrument Date	Oct 31, 2019
Instrument	2632068
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	PO BOX 336 GERMANTOWN IL 622450336, GERMANTOWN, IL 62245-0336

Mortgage

Document Number	A2632069
Date	Nov 1, 2019
Instrument	2632069

Lender

Name	COMMUNITY BK/TRENTON
Type	Bank
Address	TRENTON, IL 62293

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Oct 31, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 207 Howard Dr was $4,651, 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	$4,651.00 (+8.41%)	$64,527 (+9.62%) Land $5,596 Building $58,931	$193,581 (+9.62%) Land $16,788 Building $176,793
2024	$4,290.00	$58,864 Land $5,105 Building $53,759	$176,592 Land $15,315 Building $161,277
2022		$48,033 Land $4,166 Building $43,867	$144,099 Land $12,498 Building $131,601

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 207 Howard Dr; 7 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	7 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

The area around 207 Howard 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 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 444 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

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

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