401 S Julia St, Smithton, IL 62285 Property Records

St. Clair County property record for 401 S Julia St, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	2 ba · 480 sqft · built 1917
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Oct 2025)
Tax Bill	$3,387 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Apr 2024 Sale & Mortgage
APN	`13-33-0-109-009`

Property Details

APN / Parcel Number

Primary APN	`13-33-0-109-009`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	480 sqft Living Area

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,405 sqft (0.17 acres)
Garage Area	396 sqft
Patio Area	398 sqft

Location & Zoning

Street Address	401 S JULIA ST
City	SMITHTON
State	IL
Zip	62285-1660
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FISCHERS 1ST ADD TOGEORGETOWN LOT/SEC-143 A02810595
Legal Subdivision	FISCHERS 1ST ADD
Legal Block	109
Legal Lot Number	143
Jurisdiction	ST CLAIR IL
Township / Civil Division	SMITHTON
Census Block Group	3
Census Block	3053
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	401 S JULIA ST, SMITHTON, IL 62285-1660
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Apr 15, 2024	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2025 · Amount on Record
Deed Sale	Oct 2, 2025 · Amount on Record
Prior Sale	Apr 15, 2024 · Amount on Record
Deed Document Number	20252862120
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 2, 2025
Property Address	401 S JULIA ST, SMITHTON, IL 62285-1660
Document Number	0A02862120
Map Reference	MB A PG 54
Instrument Date	Oct 1, 2025
Instrument	A02862120
Transaction Type	Transfer
Record Updated	Oct 17, 2025
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	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	401 S JULIA ST, SMITHTON, IL 62285-1660

Mortgage

Document Number	0A02862121
Date	Oct 2, 2025
Instrument	A02862121

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate	6.52%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 15, 2024
Property Address	401 S JULIA ST, SMITHTON, IL 62285-1660
Document Number	0A02810595
Map Reference	MB A PG 54
Instrument Date	Apr 12, 2024
Instrument	A02810595
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4515 ELK MEADOWS LN, SMITHTON, IL 62285-2939

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	746 KLEIN DR, SMITHTON, IL 62285-1402

Mortgage

Document Number	0A02810596
Date	Apr 15, 2024
Instrument	A02810596

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate	6.87%
Change Frequency	Quarterly

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	$3,387.00 (+9.29%)	$41,859 (+11.2%) Land $4,324 Building $37,535	$125,577 (+11.2%) Land $12,972 Building $112,605
2024	$3,099.00 (+77.69%)	$37,643 (+17.23%) Land $4,370 Building $33,273	$112,929 (+17.23%) Land $13,110 Building $99,819
2022		$32,111 Land $3,728 Building $28,383	$96,333 Land $11,184 Building $85,149
2019	$1,744.00

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

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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