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

St. Clair County property record for 407 N Cherry St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 714 sqft · built 1904
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Oct 2025)
Tax Bill	$4,554 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
APN	`04-30-0-218-034`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-218-034`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	714 sqft Living Area
Basement Area	814 sqft
Unfinished Basement	814 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	11,326 sqft (0.26 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	407 N CHERRY ST
City	O FALLON
State	IL
Zip	62269-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMILEYS ADD LOT/SEC-19 LOT 19 & N 25 FT OF LOT 20 A02862987
Legal Subdivision	SMILEYS ADD
Legal Block	218
Legal Lot Number	19,20
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1021
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	2 Individual Names on Record
Mailing Address	407 N CHERRY ST, O FALLON, IL 62269-1119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	20252862987
Prior Transfer Date	Aug 2, 2013
Prior Transfer Doc	00A2380253
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 10, 2025
Property Address	407 N CHERRY ST, O FALLON, IL 62269-1119
Document Number	0A02862987
Map Reference	MB L PG 222
Instrument Date	Oct 1, 2025
Instrument	A02862987
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 N CHERRY ST, O FALLON, IL 62269-1119

Mortgage

Document Number	0A02862988
Date	Oct 10, 2025
Instrument	A02862988

Lender

Name	NEIGHBORS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.5%

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,554.00 (+8.4%)	$63,182 (+9.62%) Land $7,670 Building $55,512	$189,546 (+9.62%) Land $23,010 Building $166,536
2024	$4,201.00	$57,637 (+22.55%) Land $6,997 Building $50,640	$172,911 (+22.55%) Land $20,991 Building $151,920
2022		$47,030 Land $5,709 Building $41,321	$141,090 Land $17,127 Building $123,963

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Verizon.

Nearby Properties on N Cherry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures