407 S Smith St, Smithton, IL 62285 Property Records

St. Clair County property record for 407 S Smith St, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,008 sqft · built 1990
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Sep 2026)
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Mortgage + 2 more
APN	`13-33-0-224-001`

Property Details

APN / Parcel Number

Primary APN	`13-33-0-224-001`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Mixed
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	407 S SMITH ST
City	SMITHTON
State	IL
Zip	62285-1716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A & H ESTATES 1ST SUB LOT/SEC-1 DOC A02782610
Legal Subdivision	A & H ESTATES
Legal Block	224
Jurisdiction	ST CLAIR IL
Township / Civil Division	SMITHTON
Census Block Group	3
Census Block	3089
Census Tract	503906

Owner

407 S Smith St is owned and occupied by an individual who bought it in September 2026.

Source: St. Clair County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	407 S SMITH ST, SMITHTON, IL 62285-1716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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

Date	Document
Sep 24, 2026	Warranty Deed, Transfer · Conventional Mortgage DFT2 FINANCIAL LLC
Sep 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage DFT2 FINANCIAL LLC
Jun 1, 2023	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Mar 7, 2019	Warranty Deed, Transfer · Conventional with PMI DIETERICH BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2026 · Amount on File
Deed Sale	Sep 24, 2026 · Amount on File
Prior Sale	Jun 1, 2023 · Amount on File
Deed Document Number	2026A02896426
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 24, 2026
Property Address	407 S SMITH ST, SMITHTON, IL 62285-1716
Document Number	0002896426
Instrument Date	Sep 23, 2026
Instrument	20262896426
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	RUN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S SMITH ST, SMITHTON, IL 62285-1716

Mortgage

Date	Sep 24, 2026

Lender

Name	DFT2 FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Sep 24, 2026
Property Address	407 S SMITH ST, SMITHTON, IL 62285-1716
Document Number	0002896501
Instrument Date	Sep 23, 2026
Instrument	20262896501
Transaction Type	Mortgage
Record Updated	Oct 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S SMITH ST, SMITHTON, IL 62285-1716

Mortgage

Document Number	0002896501,
Date	Sep 24, 2026
Instrument	20262896501

Lender

Name	DFT2 FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 1, 2023
Property Address	407 S SMITH ST, SMITHTON, IL 62285-1716
Document Number	0A02782610
Map Reference	MB 83 PG 98
Instrument Date	May 31, 2023
Instrument	A02782610
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	MODOC COUNTY TITLE COMPANY, MONROE COUNTY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 S SMITH ST, SMITHTON, IL 62285-1716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S SMITH ST, SMITHTON, IL 62285-1716

Mortgage

Document Number	0A02782611
Date	Jun 1, 2023
Instrument	A02782611

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

Interest

Rate	6.75%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 7, 2019
Property Address	407 S SMITH ST, SMITHTON, IL 62285-1716
Document Number	00A2605951
Instrument Date	Mar 4, 2019
Instrument	2605951
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S SMITH ST SMITHTON IL 622851716, SMITHTON, IL 62285-1716

Mortgage

Document Number	A2605952
Date	Mar 7, 2019
Instrument	2605952

Lender

Name	DIETERICH BK NA
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 407 S Smith St was $3,997, up 8.3% 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	Smithton Township
Municipality	Smithton Village
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,997.00 (+8.29%)	$49,398 (+10.18%) Land $4,610 Building $44,788	$148,194 (+10.18%) Land $13,830 Building $134,364
2024	$3,691.00	$44,833 Land $4,659 Building $40,174	$134,499 Land $13,977 Building $120,522
2022		$38,243 Land $3,974 Building $34,269	$114,729 Land $11,922 Building $102,807
2019	$2,718.00

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 S Smith St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 407 S Smith St 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	SMITHTON serves 4,381 people · EPA ID IL1631300
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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