287 Keystone Ct, O Fallon, IL 62269 Property Records

St. Clair County property record for 287 Keystone Ct, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,628 sqft · built 2005
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Aug 2023)
Tax Bill	$5,693 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
APN	`04-08-0-416-003`

Property Details

APN / Parcel Number

Primary APN	`04-08-0-416-003`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,628 sqft Living Area
Basement Area	1,628 sqft
Unfinished Basement	1,628 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	287 KEYSTONE CT
City	O FALLON
State	IL
Zip	62269-7050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEARTHSTONE PLAT 4 LOT 131 A02788690
Legal Subdivision	HEARTHSTONE PLAT 4
Legal Block	416
Legal Lot Number	131
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2012
Census Tract	504353

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	287 KEYSTONE CT, O FALLON, IL 62269-7050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2023 · Amount on Record
Deed Sale	Aug 9, 2023 · Amount on Record
Prior Sale	May 19, 2006 · Amount on Record
Deed Document Number	20232788690
Prior Transfer Date	Mar 8, 2007
Prior Transfer Doc	0002031564
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 9, 2023
Property Address	287 KEYSTONE CT, O FALLON, IL 62269-7050
Document Number	0A02788690
Map Reference	DOC A01909864
Instrument Date	Aug 2, 2023
Instrument	A02788690
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	287 KEYSTONE CT, O FALLON, IL 62269-7050

Mortgage

Document Number	0A02788691
Date	Aug 9, 2023
Instrument	A02788691

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	282 Months
Due	Feb 26, 2047

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	$5,693.00	$84,986 (+34.34%) Land $10,258 Building $74,728	$254,958 (+34.34%) Land $30,774 Building $224,184
2022		$63,262 Land $7,636 Building $55,626	$189,786 Land $22,908 Building $166,878

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
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.

Wildfire

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.

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 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