404 W 5th St, O Fallon, IL 62269 Property Records

St. Clair County property record for 404 W 5th St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,620 sqft · built 1955
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on Record
Last Sale	$180,000 (Apr 2022)
Tax Bill	$4,593 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Dec 2021 Mortgage + 2 more
APN	`04-30-0-412-027`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-412-027`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	496 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	404 W 5TH ST
City	O FALLON
State	IL
Zip	62269-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WACHTERS ADD LOT/SEC-1 LOTS 1 & 2 A02742102
Legal Subdivision	WACHTERS ADD
Legal Block	412
Legal Lot Number	1,2
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3004
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	Company Name on Record
Mailing Address	1368 LANTERN LIGHTS CIR, LEBANON, IL 62254-1841
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Warranty Deed, Transfer · Commercial Mortgage FCB BANKS
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
May 3, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF O'FALLON
Oct 10, 2018	Warranty Deed, Construction Loan · Line of Credit BANK OF O'FALLON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2022 · Amount on Record
Deed Sale	Apr 6, 2022 · Amount on Record
Prior Sale	Oct 10, 2018 · Amount on Record
Deed Document Number	20222742102
Prior Transfer Date	May 10, 2006
Prior Transfer Doc	0001981926
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 6, 2022
Property Address	404 W 5TH ST, O FALLON, IL 62269-2009
Document Number	0A02742102
Map Reference	MB I PG 46
Instrument Date	Mar 30, 2022
Instrument	A02742102
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1368 LANTERN LIGHTS CIR, LEBANON, IL 62254-1841

Mortgage

Document Number	0A02742103
Date	Apr 6, 2022
Instrument	A02742103

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	404 W 5TH ST, O FALLON, IL 62269-2009
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02731178
Date	Dec 28, 2021
Instrument	A02731178

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	404 W 5TH ST, O FALLON, IL 62269-2009
Document Number	00A2612281
Instrument Date	May 3, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	BENEDICK TITLE, BENEDICK TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 SKY HAWK DR SHILOH IL 622214465, SHILOH, IL 62221-4465

Mortgage

Document Number	00A2612281
Date	May 8, 2019
Instrument	2612281

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O FALLON, IL 62269-8626

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	May 7, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.75%

October 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 10, 2018
Property Address	404 W 5TH ST, O FALLON, IL 62269-2009
Document Number	00A2592845
Instrument Date	Oct 9, 2018
Instrument	2592845
Transaction Type	Construction Loan
Record Updated	Oct 26, 2018
Title Company	TOWN AND COUNTRY TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3574 SKY HAWK DR SHILOH IL 622214465, SHILOH, IL 62221-4465

Mortgage

Document Number	A2592846
Date	Oct 10, 2018
Instrument	2592846

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	OFALLON, IL 62269-8626

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 9, 2019

Interest

Rate Type	Adjustable Rate
Rate	5%

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	$4,593.00	$63,730 (+34.34%) Land $9,047 Building $54,683	$191,190 (+34.34%) Land $27,141 Building $164,049
2022		$47,438 Land $6,734 Building $40,704	$142,314 Land $20,202 Building $122,112

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

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

May also be available: ClearWave, i3 Broadband, Verizon.

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