214 Locust Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 214 Locust Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2,060 sqft · built 1992
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Jun 2020)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Mar 2026 Construction Loan Feb 2026 Construction Loan + 1 more
APN	`09-08-0-205-104`

Property Details

APN / Parcel Number

Primary APN	`09-08-0-205-104`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,060 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	13,504 sqft (0.31 acres)
Garage Type	Mixed
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	214 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-32 A02656236
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	Individual Name on Record
Mailing Address	214 LOCUST DR, O FALLON, IL 62269-3215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Construction Mortgage FCB BANKS
Feb 10, 2026	Deed of Trust, Mortgage · Construction Mortgage FCB BANKS
Jun 30, 2020	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2020 · Amount on Record
Deed Sale	Jun 30, 2020 · Amount on Record
Prior Sale	Sep 5, 2013 · Amount on Record
Deed Document Number	20202656236
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	214 LOCUST DR, O FALLON, IL 62269-3215
Transaction Type	Mortgage
Record Updated	Mar 27, 2026
Title Company	GF ABSTRACT AND TITLE, ABSTRACT AND TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0A02877056
Date	Mar 11, 2026
Instrument	A02877056

Lender

Name	FCB BANKS
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	214 LOCUST DR, O FALLON, IL 62269-3215
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0A02874178
Date	Feb 10, 2026
Instrument	A02874178

Lender

Name	FCB BANKS
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 30, 2020
Property Address	214 LOCUST DR, O FALLON, IL 62269-3215
Document Number	00A2656236
Instrument Date	Jun 24, 2020
Instrument	2656236
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 LOCUST DR O FALLON IL 622693215, O FALLON, IL 62269-3215

Mortgage

Document Number	A2656237
Date	Jun 30, 2020
Instrument	2656237

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$6,334.00	$85,755 (+27.93%) Land $15,051 Building $70,704	$257,265 (+27.93%) Land $45,153 Building $212,112
2022		$67,032 Land $12,515 Building $54,517	$201,096 Land $37,545 Building $163,551

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

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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