306 Spruce St, O Fallon, IL 62269 Property Records

St. Clair County property record for 306 Spruce St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,181 sqft · built 1964
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Jan 2019)
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2022 Transfer + 1 more
APN	`04-30-0-203-020`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-203-020`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,181 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	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	306 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-65 A02763252
Legal Subdivision	WESTBROOK 1ST ADD
Legal Block	203
Legal Lot Number	65
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	306 SPRUCE ST, O FALLON, IL 62269-1061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Oct 14, 2022	Intrafamily Transfer, Transfer COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC
Jan 11, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN PORTFOLIO MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2019 · Amount on Record
Deed Sale	Jan 11, 2019 · Amount on Record
Prior Sale	Sep 22, 2000 · Amount on Record
Deed Document Number	20192601385
Last Transfer Date	Oct 12, 2022
Transfer Doc	0002763252
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	306 SPRUCE ST, O FALLON, IL 62269-1061
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 SPRUCE ST, O FALLON, IL 62269-1061

Mortgage

Document Number	0A02811861
Date	Apr 30, 2024
Instrument	A02811861

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 9, 2054

Interest

Rate Type	Adjustable Rate
Rate	12.1%
Change Frequency	Monthly

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Oct 14, 2022
Property Address	306 SPRUCE ST, O FALLON, IL 62269-1061
Document Number	0A02763252
Map Reference	MB 58 PG 91
Instrument Date	Oct 12, 2022
Instrument	A02763252
Transaction Type	Transfer
Record Updated	Oct 28, 2022
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	306 SPRUCE ST, O FALLON, IL 62269-1061

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 11, 2019
Property Address	306 SPRUCE ST, O FALLON, IL 62269-1061
Document Number	00A2601385
Instrument Date	Jan 10, 2019
Instrument	2601385
Transaction Type	Transfer
Record Updated	Feb 13, 2019
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 SPRUCE ST O FALLON IL 622691061, O FALLON, IL 62269-1061

Mortgage

Document Number	A2601386
Date	Jan 11, 2019
Instrument	2601386

Lender

Name	AMERICAN PORTFOLIO MTG
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2049

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,131.00	$49,441 (+34.34%) Land $10,021 Building $39,420	$148,323 (+34.34%) Land $30,063 Building $118,260
2022		$36,804 Land $7,460 Building $29,344	$110,412 Land $22,380 Building $88,032

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	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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