St. Clair County property record for 286 Keystone Ct, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,078 sqft · built 2006 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $260,000 (Jan 2025) |
| Tax Bill | $4,495 (2025) |
| Deeds & Mortgages | May 2026 Sale Mar 2026 Mortgage + 2 more |
| APN | 04-08-0-402-020 |
| Primary APN | 04-08-0-402-020 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,078 sqft Living Area |
| Basement Area | 1,078 sqft |
| Unfinished Basement | 1,078 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Frame |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Mixed |
| Garage Area | 400 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 336 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 812 sqft |
| Cooling System | Central |
|---|
| Street Address | 286 KEYSTONE CT |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-7049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEARTHSTONE PLAT 4 LOT 136 A02837959 |
| Legal Subdivision | HEARTHSTONE PLAT 4 |
| Legal Block | 402 |
| Legal Lot Number | 136 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 504353 |
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 Trust Names on Record |
|---|---|
| Mailing Address | 286 KEYSTONE CT, O FALLON, IL 62269-7049 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 29, 2026 | Trustee's Deed, Transfer |
| Mar 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 25, 2020 | Quit Claim Deed, Transfer BENEDICK TITLE |
| Sep 8, 2017 | Deed of Trust, Mortgage · Line of Credit GCS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2025 · Amount on Record |
| Deed Sale | Jan 27, 2025 · Amount on Record |
| Prior Sale | Jul 28, 2006 · Amount on Record |
| Deed Document Number | 20252837959 |
| Prior Transfer Date | Sep 23, 2020 |
| Prior Transfer Doc | 0002668553 |
| Record Updated | Oct 29, 2026 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | May 29, 2026 |
| Property Address | 286 KEYSTONE CT, O FALLON, IL 62269-7049 |
| Document Number | 0A02884970 |
| Instrument Date | May 28, 2026 |
| Instrument | 20262884970 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 286 KEYSTONE CT, O FALLON, IL 62269-7049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 286 KEYSTONE CT, O FALLON, IL 62269-7049 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 286 KEYSTONE CT, O FALLON, IL 62269-7049 |
| Document Number | 0A02877903 |
|---|---|
| Date | Mar 20, 2026 |
| Instrument | A02877903 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate | 5.99% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 25, 2020 |
| Property Address | 286 KEYSTONE CT, O FALLON, IL 62269-7049 |
| Document Number | 00A2668553 |
| Instrument Date | Sep 23, 2020 |
| Instrument | 2668553 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2020 |
| Title Company | BENEDICK TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 286 KEYSTONE CT O FALLON IL 622697049, O FALLON, IL 62269-7049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 286 KEYSTONE CT, O FALLON, IL 62269-7049 |
| Document Number | 00A2553113 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 286 KEYSTONE CT O FALLON IL 622697049, O FALLON, IL 62269-7049 |
| Document Number | 00A2553113 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 2553113 |
| Name | GCS CU |
|---|---|
| Address | 4101 STATE ROUTE 111, PONTOON BEACH, IL 62040-4306 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 25, 2042 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,495.00 (+10.25%) Homeowner's exemption Senior Citizen's exemption | $73,372 (+9.62%) Land $10,106 Building $63,266 | $220,116 (+9.62%) Land $30,318 Building $189,798 |
| 2024 | $4,077.00 | $66,933 (+22.55%) Land $9,219 Building $57,714 | $200,799 (+22.55%) Land $27,657 Building $173,142 |
| 2022 | $54,616 Land $7,522 Building $47,094 | $163,848 Land $22,566 Building $141,282 |
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.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2018–2023) |
| Most Recent Claim | Jul 2023 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 142 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 |
| Wisper ISP Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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