321 Amy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 321 Amy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,580 sqft · built 1984
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,500 (Apr 2026)
Tax Bill	$5,297 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Sale & Mortgage
APN	`04-31-0-215-054`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-215-054`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,580 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1990
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Mixed
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	321 AMY DR
City	O FALLON
State	IL
Zip	62269-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE O FALLON SUB LOT/SEC-8 BK 2948-1213
Legal Subdivision	LINCOLNSHIRE O FALLON SUB
Legal Block	215
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2006
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	321 AMY DR, O FALLON, IL 62269-3406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Apr 8, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Deed Document Number	20262879879
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Apr 8, 2026
Property Address	321 AMY DR, O FALLON, IL 62269-3406
Document Number	0002879881
Instrument Date	Apr 6, 2026
Instrument	20262879881
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 AMY DR, O FALLON, IL 62269-3406

Mortgage

Document Number	0002879881,
Date	Apr 8, 2026
Instrument	20262879881

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	9.25%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 8, 2026
Property Address	321 AMY DR, O FALLON, IL 62269-3406
Document Number	0A02879879
Instrument Date	Apr 3, 2026
Instrument	20262879879
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,193.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	321 AMY DR, O FALLON, IL 62269-3406

Mortgage

Date	Apr 8, 2026

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	7.25%
Initial Type	Fixed Rate
Max Rate	-1%

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	$5,297.00 (+8.35%)	$73,157 (+9.62%) Land $12,334 Building $60,823	$219,471 (+9.62%) Land $37,002 Building $182,469
2024	$4,889.00	$66,737 (+22.55%) Land $11,252 Building $55,485	$200,211 (+22.55%) Land $33,756 Building $166,455
2022		$54,457 Land $9,182 Building $45,275	$163,371 Land $27,546 Building $135,825

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	5 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

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.

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 227 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	100 / 20

May also be available: ClearWave.

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