St. Clair County property record for 309 Howard Dr, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,560 sqft · built 1961 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Oct 2011) |
| Tax Bill | $2,962 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit |
| APN | 04-29-0-202-001 |
| Primary APN | 04-29-0-202-001 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Lot Area | 11,326 sqft (0.26 acres) |
| Patio Area | 299 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|
| Street Address | 309 HOWARD DR |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-1525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARD PLACE LOT/SEC-1 A02286800 |
| Legal Subdivision | HOWARD PLACE |
| Legal Block | 202 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 504351 |
309 Howard Dr is owned and occupied by an individual who bought it in October 2011.
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 File |
|---|---|
| Mailing Address | 309 HOWARD DR, O FALLON, IL 62269-1525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 27, 2011 · Amount on File |
| Deed Sale | Oct 27, 2011 · Amount on File |
| Prior Sale | Nov 21, 2007 · Amount on File |
| Deed Document Number | 20112286800 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 309 HOWARD DR, O FALLON, IL 62269-1525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0A02805038 |
|---|---|
| Date | Feb 9, 2024 |
| Instrument | A02805038 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Dec 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 309 Howard Dr was $2,962 with a homeowner's exemption.
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 | $2,962.00 | $47,102 Land $7,211 Building $39,891 | $141,306 Land $21,633 Building $119,673 |
| 2022 | $35,061 Land $5,367 Building $29,694 | $105,183 Land $16,101 Building $89,082 |
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.
FEMA has no flood map on file for 309 Howard Dr; 7 flood insurance policies are in force nearby.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
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 risk around 309 Howard Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 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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