408 E Adams St, O Fallon, IL 62269 Property Records

St. Clair County property record for 408 E Adams St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 969 sqft · built 1923
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Aug 2017)
Tax Bill	$3,207 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2020 Mortgage + 1 more
APN	`04-29-0-117-016`

Property Details

APN / Parcel Number

Primary APN	`04-29-0-117-016`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	969 sqft Living Area
Basement Area	969 sqft
Unfinished Basement	969 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1975
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,405 sqft (0.17 acres)
Garage Area	160 sqft
Porch	Slab
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	408 E ADAMS ST
City	O FALLON
State	IL
Zip	62269-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PENNS 4TH ADD TO O FALLON LOT/SEC-50 DOC A02546577
Legal Subdivision	PENNS 4TH ADD
Legal Block	117
Legal Lot Number	50
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2020
Census Tract	504351

Owner

408 E Adams St is owned and occupied by an individual who bought it in August 2017.

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

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

Owner of Record	Individual Name on File
Mailing Address	408 E ADAMS ST, O FALLON, IL 62269-1423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Jul 8, 2020	Deed of Trust, Mortgage UNITED WHOLESALE MTG
Aug 7, 2017	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2017 · Amount on File
Deed Sale	Aug 7, 2017 · Amount on File
Prior Sale	Aug 15, 2016
Deed Document Number	20172546577
Prior Transfer Date	May 12, 2016
Prior Transfer Doc	00A2505449
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 E ADAMS ST, O FALLON, IL 62269-1423
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02865057
Date	Oct 31, 2025
Instrument	A02865057

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 E ADAMS ST, O FALLON, IL 62269-1423
Document Number	00A2658074
Instrument Date	Jul 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	408 E ADAMS ST O FALLON IL 622691423, O FALLON, IL 62269-1423

Mortgage

Document Number	00A2658074
Date	Jul 15, 2020
Instrument	2658074

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

Interest

Rate Type	Fixed Rate
Rate	2.99%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 7, 2017
Property Address	408 E ADAMS ST, O FALLON, IL 62269-1423
Document Number	00A2546577
Instrument Date	Jul 14, 2017
Instrument	2546577
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	METRO TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 ROGER DR LEBANON IL 622541247, LEBANON, IL 62254-1247

Mortgage

Document Number	A2546578
Date	Aug 7, 2017
Instrument	2546578

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

Mortgage

Document Number	A2546579,
Date	Aug 7, 2017
Instrument	2546579

Lender

Name	COMMUNITY DEV CORP
Type	Construction/Development Company
Address	CHICAGO, IL 60601

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 408 E Adams St was $3,207.

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	$3,207.00	$44,494 Land $5,098 Building $39,396	$133,482 Land $15,294 Building $118,188
2022		$33,121 Land $3,795 Building $29,326	$99,363 Land $11,385 Building $87,978

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 408 E Adams St; there have been 1 flood claim nearby since 2013.

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

The area around 408 E Adams 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	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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