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

St. Clair County property record for 406 N Cherry St, O Fallon, IL 62269 · Last verified August 2023

Property Summary

Property Type	Single Family Home
Details	1,108 sqft · built 1907
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Dec 2022)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Nov 2019 Sale & Mortgage
APN	`04-30-0-219-004`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-219-004`

Interior

Stories	2 Stories
Building Area	1,108 sqft Living Area
Gross Area	1,784 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,405 sqft (0.169 acres)
Garage Area	35,200 sqft
Driveway	Driveway
Driveway Area	95,200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	424 sqft
Patio Area	21,600 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	406 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-10 A02769180
Legal Subdivision	BEGOLE ADD O FALLON
Legal Lot Number	10
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 · APN 04-30-0-219-004

Assessment roll updated January 1, 2022 · Last verified August 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 File
Mailing Address	406 N CHERRY ST, O FALLON, IL 62269-1118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Nov 06, 2019	Warranty Deed, Transfer UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Prior Sale	Nov 06, 2019 · Amount on Record
Deed Document Number	A02769180
Record Updated	Jun 07, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 21, 2022
Property Address	406 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	0A02769180
Map Reference	MB M PG 32
Instrument Date	Dec 16, 2022
Instrument	A02769180
Transaction Type	Transfer
Record Updated	Jan 05, 2023
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 N CHERRY ST, O FALLON, IL 62269-1118

Mortgage

Document Number	0A02769181
Date	Dec 21, 2022
Instrument	A02769181

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

Interest

Rate	6.62%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 06, 2019
Property Address	406 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	00A2632601
Instrument Date	Oct 24, 2019
Instrument	2632601
Transaction Type	Transfer
Record Updated	Dec 04, 2019
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$186.00
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	406 N CHERRY ST O FALLON IL 622691118, O FALLON, IL 62269-1118

Mortgage

Document Number	A2632602
Date	Nov 06, 2019
Instrument	2632602

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 05, 2049

Interest

Rate	4.5%

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated January 1, 2022 · Last verified August 2023

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

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.

Year	Assessed Value	Assessed Market Value
2022	$49,268 Land $3,630 Building $45,638	$147,804 Land $10,890 Building $136,914

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171635043541, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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, other causes, Severe Storm And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 410 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WH i3B Bidco LLC/WH i3B Topco	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, AT&T, Delta Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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