302 Spruce St, O Fallon, IL 62269 Property Records

St. Clair County property record for 302 Spruce St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,073 sqft · built 1964
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Jun 2021 Mortgage Apr 2018 Mortgage
APN	`04-30-0-203-022`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-203-022`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,073 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Mixed
Garage Area	348 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	302 SPRUCE ST
City	O FALLON
State	IL
Zip	62269-1061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTBROOK 1ST ADD LOT/SEC-54 BK 2758-1075
Legal Subdivision	WESTBROOK 1ST ADD
Legal Block	203
Legal Lot Number	54
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1049
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	302 SPRUCE ST, O FALLON, IL 62269-1061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Apr 3, 2018	Deed of Trust, Mortgage · VA Mortgage PNC BK/NJ

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	302 SPRUCE ST, O FALLON, IL 62269-1061
Transaction Type	Mortgage
Record Updated	Jul 2, 2021
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02704142
Date	Jun 17, 2021
Instrument	A02704142

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	302 SPRUCE ST, O FALLON, IL 62269-1061
Document Number	00A2572393
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 SPRUCE ST O FALLON IL 622691061, O FALLON, IL 62269-1061

Mortgage

Document Number	00A2572393
Date	Apr 9, 2018
Instrument	2572393

Lender

Name	PNC BK/NJ
Type	Bank
Address	MIAMISBURG, OH

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

Interest

Rate	4.5%

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	Assessed Value	Assessed Market Value
2025	$46,133 (+34.34%) Land $10,088 Building $36,045	$138,399 (+34.34%) Land $30,264 Building $108,135
2022	$34,340 Land $7,509 Building $26,831	$103,020 Land $22,527 Building $80,493

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave, i3 Broadband.

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