402 N Cherry St, O Fallon, IL 62269 Property Records

St. Clair County property record for 402 N Cherry St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	650 sqft · built 1893
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,500 (Jul 2017)
Tax Bill	$4,555 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2017 Sale & Mortgage
APN	`04-30-0-219-006`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-219-006`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	650 sqft Living Area
Basement Area	650 sqft
Unfinished Basement	650 sqft

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1985
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,405 sqft (0.17 acres)
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	545 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	402 N CHERRY ST
City	O FALLON
State	IL
Zip	62269-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEGOLE ADD O FALLON LOT/SEC-12 DOC A02542343
Legal Subdivision	BEGOLE ADD O FALLON
Legal Block	219
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1020
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	402 N CHERRY ST, O FALLON, IL 62269-1118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN HM LNDG
Jul 5, 2017	Warranty Deed, Transfer · VA Mortgage AMERICAN HM LNDG USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2017 · Amount on Record
Deed Sale	Jul 5, 2017 · Amount on Record
Prior Sale	Dec 18, 2014 · Amount on Record
Deed Document Number	20172542343
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	402 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	00A2681464
Instrument Date	Dec 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	402 N CHERRY ST O FALLON IL 622691118, O FALLON, IL 62269-1118

Mortgage

Document Number	00A2681464
Date	Dec 29, 2020
Instrument	2681464

Lender

Name	AMERICAN HM LNDG
Address	EDWARDSVILLE, 62025

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 5, 2017
Property Address	402 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	00A2542343
Instrument Date	Jun 30, 2017
Instrument	2542343
Transaction Type	Transfer
Record Updated	Oct 16, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$221.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	402 N CHERRY ST O FALLON IL 622691118, O FALLON, IL 62269-1118

Mortgage

Document Number	A2542344
Date	Jul 5, 2017
Instrument	2542344

Lender

Name	AMERICAN HM LNDG USA
Address	EDWARDSVILLE, IL 62025

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 4, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

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	$4,555.00	$69,191 (+34.34%) Land $4,855 Building $64,336	$207,573 (+34.34%) Land $14,565 Building $193,008
2022		$51,504 Land $3,614 Building $47,890	$154,512 Land $10,842 Building $143,670

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	2 in force
Nearby Flood Claims	3 (1990–2022)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2022 · Severe Storm And Flooding

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

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

May also be available: ClearWave, Verizon.

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