320 S Smith St, Smithton, IL 62285 Property Records

St. Clair County property record for 320 S Smith St, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	2 ba · 936 sqft · built 1960
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (May 2023)
Tax Bill	$3,183 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2026 Sale + 4 more
APN	`13-33-0-220-004`

Property Details

APN / Parcel Number

Primary APN	`13-33-0-220-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	936 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	144 ft deep x 50 ft wide
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	320 S SMITH ST
City	SMITHTON
State	IL
Zip	62285-1796
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAUCHS, CHRIST, ADDTO GEORGETOWN LOT/SEC-35 50 X 144 A02781996
Legal Subdivision	GAUCHS, CHRIST, ADDTO GEORGETOWN
Legal Block	220
Jurisdiction	ST CLAIR IL
Township / Civil Division	SMITHTON
Census Block Group	3
Census Block	3032
Census Tract	503906

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	Individual Name on Record
Mailing Address	320 S SMITH ST, SMITHTON, IL 62285-1796
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS AND MECHANICS NATIONAL BANK
Apr 10, 2026	Warranty Deed, Transfer ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW
Mar 24, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 24, 2023	Warranty Deed, Transfer · Commercial Mortgage THE FARMERS & MERCHANTS NATIONAL BA
Aug 12, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage IAA CU
Mar 26, 2021	Warranty Deed, Transfer · Conventional Mortgage IAA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Aug 12, 2022
Deed Document Number	20232781996
Last Transfer Date	Mar 13, 2026
Transfer Doc	0A02878417
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	May 22, 2026
Property Address	320 S SMITH ST, SMITHTON, IL 62285-1796
Document Number	0A02884298
Instrument Date	May 11, 2026
Instrument	20262884298
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S SMITH ST, SMITHTON, IL 62285-1796

Mortgage

Document Number	0002884298,
Date	May 22, 2026
Instrument	20262884298

Lender

Name	FARMERS AND MECHANICS NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 10, 2026
Property Address	320 S SMITH ST, SMITHTON, IL 62285-1796
Document Number	0002880143
Instrument Date	Apr 10, 2026
Instrument	20262880143
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S SMITH ST, SMITHTON, IL 62285-1796

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 24, 2026
Property Address	320 S SMITH ST, SMITHTON, IL 62285-1796
Document Number	0A02878417
Map Reference	MB A PG 167
Instrument Date	Mar 13, 2026
Instrument	A02878417
Transaction Type	Transfer
Record Updated	Apr 9, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 S SMITH ST, SMITHTON, IL 62285-1796

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 24, 2023
Property Address	320 S SMITH ST, SMITHTON, IL 62285-1796
Document Number	0A02781996
Map Reference	PL A PG 167
Instrument Date	May 22, 2023
Instrument	A02781996
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 S SMITH ST, SMITHTON, IL 62285-1796

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S SMITH ST, SMITHTON, IL 62285-1796

Mortgage

Document Number	0A02781997
Date	May 24, 2023
Instrument	A02781997

Lender

Name	THE FARMERS & MERCHANTS NATIONAL BA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	May 22, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Aug 12, 2022
Property Address	320 S SMITH ST, SMITHTON, IL 62285-1796
Document Number	0A02756115
Map Reference	MB A PG 167
Instrument Date	Aug 5, 2022
Instrument	A02756115
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

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
Address	320 S SMITH ST, SMITHTON, IL 62285-1796

Mortgage

Document Number	0A02756116
Date	Aug 12, 2022
Instrument	A02756116

Lender

Name	IAA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 26, 2021
Property Address	320 S SMITH ST, SMITHTON, IL 62285-1796
Document Number	0A02693164
Map Reference	MB A PG 167
Instrument Date	Mar 25, 2021
Instrument	A02693164
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	320 S SMITH ST, SMITHTON, IL 62285-1796

Mortgage

Document Number	0A02693165
Date	Mar 26, 2021
Instrument	A02693165

Lender

Name	IAA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	Smithton Township
Municipality	Smithton Village
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,183.00 (+24.97%)	$39,340 (+27.17%) Land $4,063 Building $35,277	$118,020 (+27.17%) Land $12,189 Building $105,831
2024	$2,547.00 (+13.05%)	$30,936 (+17.24%) Land $4,106 Building $26,830	$92,808 (+17.24%) Land $12,318 Building $80,490
2022		$26,388 Land $3,502 Building $22,886	$79,164 Land $10,506 Building $68,658
2019	$2,253.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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	SMITHTON serves 4,381 people · EPA ID IL1631300
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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