403 Joy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 403 Joy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,020 sqft · built 1951
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Last Sale	$155,000 (Nov 2024)
Tax Bill	$2,573 (2024)
Deeds & Mortgages	Jan 2023 Transfer Dec 2022 Sale & Mortgage + 1 more
APN	`04-31-0-201-005`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-201-005`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,020 sqft Living Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,405 sqft (0.17 acres)
Patio Area	300 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	403 JOY DR
City	O FALLON
State	IL
Zip	62269-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAUSS, ART, HOMESITES LOT/SEC-45 A02832215
Legal Subdivision	FAUSS, ART, HOMESITES
Legal Block	201
Legal Lot Number	45
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3023
Census Tract	504354

Owner

Source: St. Clair County records, as of September 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	111 KNOB CREEK LN, O FALLON, IL 62269-6619
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 30, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Feb 26, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2024 · Amount on Record
Deed Sale	Nov 22, 2024 · Amount on Record
Prior Sale	Jan 12, 2023
Deed Document Number	20242832215
Prior Transfer Date	Jan 11, 2023
Prior Transfer Doc	0002770842
Record Updated	Sep 20, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 12, 2023
Property Address	403 JOY DR, O FALLON, IL 62269-2415
Document Number	0A02770842
Map Reference	MB 48 PG 44
Instrument Date	Jan 11, 2023
Instrument	A02770842
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 ROANOKE DR, BELLEVILLE, IL 62221-5723

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 30, 2022
Property Address	403 JOY DR, O FALLON, IL 62269-2415
Document Number	0A02769996
Map Reference	MB 48 PG 44
Instrument Date	Dec 28, 2022
Instrument	A02769996
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	333 ROANOKE DR, BELLEVILLE, IL 62221-5723

Mortgage

Document Number	0A02769997
Date	Dec 30, 2022
Instrument	A02769997

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Feb 26, 2021
Property Address	403 JOY DR, O FALLON, IL 62269-2415
Document Number	A02689263
Map Reference	MB 48 PG 44&45
Instrument Date	Feb 9, 2021
Instrument	A02689263
Transaction Type	Transfer
Record Updated	Aug 23, 2021

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	1515 PATH ORCHARD, O FALLON, IL 62269

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 28, 2025

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
2024	$2,573.00	$35,299 (+22.55%) Land $6,842 Building $28,457	$105,897 (+22.55%) Land $20,526 Building $85,371
2022		$28,804 Land $5,583 Building $23,221	$86,412 Land $16,749 Building $69,663

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 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

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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