406 Eagle Terrace Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 406 Eagle Terrace Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	1,001 sqft · built 1988
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$133,500 (Oct 2020)
Deeds & Mortgages	Oct 2020 Sale & Mortgage May 2020 Mortgage + 1 more
APN	`04-30-0-315-005`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-315-005`

Interior

Stories	1 Story
Building Area	1,001 sqft Living Area
Gross Area	1,356 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,792 sqft (0.11 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Deck Area	13,200 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	406 EAGLE TERRACE DR
City	O FALLON
State	IL
Zip	62269-1932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE RIDGE SUB LOT/SEC-5 A02671378
Legal Subdivision	EAGLE RIDGE
Legal Lot Number	5
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1036
Census Tract	504354

Owner

Source: St. Clair County records, as of August 23, 2023

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	406 EAGLE TERRACE DR, O FALLON, IL 62269-1932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Warranty Deed, Transfer · Conventional with PMI AMERICAN HM LNDG USA
May 6, 2020	Deed of Trust, Mortgage · Conventional with PMI BUSEY BK
Sep 18, 2018	Warranty Deed, Transfer · Conventional with PMI BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Sep 18, 2018 · Amount on Record
Deed Document Number	A02671378
Record Updated	Jun 7, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 16, 2020
Property Address	406 EAGLE TERRACE DR, O FALLON, IL 62269-1932
Document Number	00A2671378
Instrument Date	Sep 30, 2020
Instrument	2671378
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	BENCHMARK TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	202 W WESLEY DR O FALLON IL 622691147, O FALLON, IL 62269-1147

Mortgage

Document Number	A2671379
Date	Oct 16, 2020
Instrument	2671379

Lender

Name	AMERICAN HM LNDG USA
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	406 EAGLE TERRACE DR, O FALLON, IL 62269-1932
Document Number	00A2651082
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	406 EAGLE TERRACE DR O FALLON IL 622691932, O FALLON, IL 62269-1932

Mortgage

Document Number	00A2651082
Date	May 15, 2020
Instrument	2651082

Lender

Name	BUSEY BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 18, 2018
Property Address	406 EAGLE TERRACE DR, O FALLON, IL 62269-1932
Document Number	00A2590642
Instrument Date	Sep 7, 2018
Instrument	2590642
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	406 EAGLE TERRACE DR O FALLON IL 622691932, O FALLON, IL 62269-1932

Mortgage

Document Number	A2590643
Date	Sep 18, 2018
Instrument	2590643

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2022

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
2022	$44,069 Land $6,576 Building $37,493	$132,207 Land $19,728 Building $112,479

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 230 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: ClearWave, Wisper ISP.

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