407 E Jefferson St, O Fallon, IL 62269 Property Records

St. Clair County property record for 407 E Jefferson St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,728 sqft · built 1959
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individuals on Record
Tax Bill	$2,689 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2024 Transfer + 1 more
APN	`04-29-0-117-023`

Property Details

APN / Parcel Number

Primary APN	`04-29-0-117-023`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached

Exterior Amenities

Deck Area	224 sqft
Patio Area	224 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	407 E JEFFERSON ST
City	O FALLON
State	IL
Zip	62269-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PENNS 4TH ADD TO O FALLON LOT/SEC-42 W 35 FT OF LOT 42 & E 30 FT OF LOT 43 BK 2864-1013 A02803595
Legal Subdivision	PENNS 4TH ADD
Legal Block	117
Legal Lot Number	42,43
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2020
Census Tract	504351

Owner

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

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

Owner of Record	2 Individuals on Record
Mailing Address	407 E JEFFERSON ST, O FALLON, IL 62269-1438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jan 24, 2024	Transfer on Death Deed, Transfer
Sep 5, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2024
Deed Sale	Jan 24, 2024
Deed Document Number	20242803595
Prior Transfer Date	Jan 18, 2024
Prior Transfer Doc	0002803595
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Jul 30, 2026
Property Address	407 E JEFFERSON ST, O FALLON, IL 62269-1438
Document Number	0002891085
Instrument Date	Jul 16, 2026
Instrument	20262891085
Transaction Type	Mortgage
Record Updated	Aug 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E JEFFERSON ST, O FALLON, IL 62269-1438

Mortgage

Document Number	0002891085,
Date	Jul 30, 2026
Instrument	20262891085

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2056

Interest

Rate Type	Fixed Rate
Rate	7.13%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 24, 2024
Property Address	407 E JEFFERSON ST, O FALLON, IL 62269-1438
Document Number	0A02803595
Map Reference	MB O PG 21
Instrument Date	Jan 18, 2024
Instrument	A02803595
Transaction Type	Transfer
Record Updated	Feb 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 E JEFFERSON ST, O FALLON, IL 62269-1438

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	407 E JEFFERSON ST, O FALLON, IL 62269-1438
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E JEFFERSON ST, O FALLON, IL 62269-1438

Mortgage

Document Number	0A02791005
Date	Sep 5, 2023
Instrument	A02791005

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2053

Interest

Rate Type	Adjustable Rate
Rate	9.12%
Change Frequency	Monthly

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	$2,689.00	$47,898 (+22.55%) Land $5,347 Building $42,551	$143,694 (+22.55%) Land $16,041 Building $127,653
2022		$39,084 Land $4,363 Building $34,721	$117,252 Land $13,089 Building $104,163

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	3 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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

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

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

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