407 Joy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 407 Joy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,198 sqft · built 1951
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Nov 2025)
Tax Bill	$3,229 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
APN	`04-31-0-201-003`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-201-003`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,198 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1985
Exterior Material	Combination
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	407 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-43 A02867400
Legal Subdivision	FAUSS, ART, HOMESITES
Legal Block	201
Legal Lot Number	43
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3023
Census Tract	504354

Owner

407 Joy Dr is owned and occupied by an individual who bought it in November 2025.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	407 JOY DR, O FALLON, IL 62269-2415
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Deed Document Number	20252867400
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 26, 2025
Property Address	407 JOY DR, O FALLON, IL 62269-2415
Document Number	0A02867400
Map Reference	MB 48 PG 44&45
Instrument Date	Nov 19, 2025
Instrument	A02867400
Transaction Type	Transfer
Record Updated	Dec 11, 2025
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	407 JOY DR, O FALLON, IL 62269-2415

Mortgage

Document Number	0A02867401
Date	Nov 26, 2025
Instrument	A02867401

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.37%

Tax Assessment & Valuation

The 2025 property tax bill for 407 Joy Dr was $3,229, up 8.4% from the year before.

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	$3,229.00 (+8.39%)	$44,809 (+9.62%) Land $7,520 Building $37,289	$134,427 (+9.62%) Land $22,560 Building $111,867
2024	$2,979.00	$40,877 Land $6,860 Building $34,017	$122,631 Land $20,580 Building $102,051
2022		$33,356 Land $5,598 Building $27,758	$100,068 Land $16,794 Building $83,274

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

FEMA has no flood map on file for 407 Joy Dr; there have been 4 flood claims nearby since 1979.

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

The area around 407 Joy Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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