305 E Jefferson St, O Fallon, IL 62269 Property Records

St. Clair County property record for 305 E Jefferson St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 878 sqft · built 1905
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual on Record
Tax Bill	$2,384 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2017 Mortgage
APN	`04-29-0-116-003`

Property Details

APN / Parcel Number

Primary APN	`04-29-0-116-003`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	878 sqft Living Area
Basement Area	998 sqft
Unfinished Basement	998 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	315 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	305 E JEFFERSON ST
City	O FALLON
State	IL
Zip	62269-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PENNS ADD TO O FALLON LOT/SEC-40 A01953805
Legal Subdivision	PENNS ADD
Legal Block	116
Legal Lot Number	40
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2021
Census Tract	504351

Owner

Source: St. Clair County assessment roll, as of August 28, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	305 E JEFFERSON ST, O FALLON, IL 62269-1409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Deed of Trust, Mortgage · Conventional with PMI FREEDOM MTG
Dec 16, 2017	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 29, 2005
Transfer Doc	04280/0723
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	305 E JEFFERSON ST, O FALLON, IL 62269-1409
Document Number	00A2683908
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E JEFFERSON ST O FALLON IL 622691409, O FALLON, IL 62269-1409

Mortgage

Document Number	00A2683908
Date	Jan 19, 2021
Instrument	2683908

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Jan 18, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	305 E JEFFERSON ST, O FALLON, IL 62269-1409
Document Number	00A2562623
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 4, 2018
Title Company	EQUITY NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 E JEFFERSON ST O FALLON IL 622691409, O FALLON, IL 62269-1409

Mortgage

Document Number	00A2562623
Date	Dec 26, 2017
Instrument	2562623

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2047

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 28, 2025

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
2024	$2,384.00	$43,717 (+22.55%) Land $4,588 Building $39,129	$131,151 (+22.55%) Land $13,764 Building $117,387
2022		$35,673 Land $3,744 Building $31,929	$107,019 Land $11,232 Building $95,787

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	3 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · 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	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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