309 Joy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 309 Joy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,048 sqft · built 1964
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Sep 2026)
Tax Bill	$2,872 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2026 Foreclosure + 2 more
APN	`04-31-0-202-008`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-202-008`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,048 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Mixed
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Deck Area	96 sqft
Patio Area	96 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	309 JOY DR
City	O FALLON
State	IL
Zip	62269-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAUSS, ART, HOMESITES LOT/SEC-54 A02273787
Legal Subdivision	FAUSS, ART, HOMESITES
Legal Block	202
Legal Lot Number	54
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3022
Census Tract	504354

Owner

309 Joy Dr is owned by a company that bought it in September 2026 and is owner-occupied.

Source: St. Clair County records, as of October 19, 2026

Owner of Record	Company Name on File
Mailing Address	8537 ARMSLEIGH PL, O FALLON, IL 62269-4237
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Warranty Deed, Transfer FIRST AMERICAN TITLE
Sep 11, 2026	Foreclosure
Feb 6, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 6, 2020	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2026 · Amount on File
Deed Sale	Sep 29, 2026 · Amount on File
Prior Sale	Sep 11, 2026
Deed Document Number	2026A02896815
Prior Transfer Date	Aug 17, 2026
Prior Transfer Doc	0002895299
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 29, 2026
Property Address	309 JOY DR, O FALLON, IL 62269-2412
Document Number	0002896815
Instrument Date	Sep 23, 2026
Instrument	20262896815
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$16,665.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8537 ARMSLEIGH PL, O FALLON, IL 62269-4237

September 2026: Foreclosure

Document Type	Foreclosure
Jurisdiction	ST CLAIR IL
Recording Date	Sep 11, 2026
Property Address	309 JOY DR, O FALLON, IL 62269-2412
Document Number	0002895299
Instrument Date	Aug 17, 2026
Instrument	20262895299
Transaction Type	Foreclosure
Record Updated	Oct 1, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	309 JOY DR, O FALLON, IL 62269-2412
Document Number	00A2643304
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 JOY DR O FALLON IL 622692412, O FALLON, IL 62269-2412

Mortgage

Document Number	00A2643304
Date	Feb 25, 2020
Instrument	2643304

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2050

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR IL
Property Address	309 JOY DR, O FALLON, IL 62269-2412
Document Number	00A2645298
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Apr 10, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 JOY DR O FALLON IL 622692412, O FALLON, IL 62269-2412

Mortgage

Document Number	00A2645298
Date	Mar 13, 2020
Instrument	2645298

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 309 Joy Dr was $2,872 with a homeowner's exemption, up 1% from the year before.

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	$2,872.00 (+1%) Homeowner's exemption	$45,845 (+9.62%) Land $7,388 Building $38,457	$137,535 (+9.62%) Land $22,164 Building $115,371
2024	$2,611.00	$41,822 Land $6,740 Building $35,082	$125,466 Land $20,220 Building $105,246
2022		$34,126 Land $5,500 Building $28,626	$102,378 Land $16,500 Building $85,878

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

FEMA has no flood map on file for 309 Joy Dr; there have been 4 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	4 (1979–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2013 · other causes

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

The area around 309 Joy Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: ClearWave.

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