405 Joy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 405 Joy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 808 sqft · built 1951
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$73,000 (Jul 2018)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2018 Sale & Mortgage
APN	`04-31-0-201-004`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-201-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	808 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)
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	360 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	405 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-44 DOC A02584155
Legal Subdivision	FAUSS, ART, HOMESITES
Legal Block	201
Legal Lot Number	44
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 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	405 JOY DR, O FALLON, IL 62269-2415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 27, 2018	Warranty Deed, Transfer · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	Jun 26, 2002 · Amount on Record
Deed Document Number	20182584155
Prior Transfer Date	Jun 6, 2016
Prior Transfer Doc	0002498617
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	405 JOY DR, O FALLON, IL 62269-2415
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	UNKNOWN, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 JOY DR, O FALLON, IL 62269-2415

Mortgage

Document Number	0A02870246
Date	Dec 30, 2025
Instrument	A02870246

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	5.99%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 27, 2018
Property Address	405 JOY DR, O FALLON, IL 62269-2415
Document Number	00A2584155
Instrument Date	Jul 26, 2018
Instrument	2584155
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	TOWN AND COUNTRY TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$109.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	405 JOY DR O FALLON IL 622692415, O FALLON, IL 62269-2415

Mortgage

Document Number	A2584157
Date	Jul 27, 2018
Instrument	2584157

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	CHICAGO, IL 60601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Mortgage

Document Number	A2584156,
Date	Jul 27, 2018
Instrument	2584156

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

Interest

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	Assessed Value	Assessed Market Value
2025	$34,024 (+9.62%) Land $7,509 Building $26,515	$102,072 (+9.62%) Land $22,527 Building $79,545
2024	$31,038 (+22.55%) Land $6,850 Building $24,188	$93,114 (+22.55%) Land $20,550 Building $72,564
2022	$25,327 Land $5,590 Building $19,737	$75,981 Land $16,770 Building $59,211

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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