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

St. Clair County property record for 408 N Cherry St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,359 sqft · built 1952
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jun 2021)
Tax Bill	$4,584 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2021 Sale & Mortgage + 2 more
APN	`04-30-0-219-003`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-219-003`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,359 sqft Living Area
Basement Area	1,359 sqft
Unfinished Basement	1,359 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1985
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Garage Area	1,520 sqft
Parking Spaces	6 Parking Spaces
Deck Area	98 sqft
Patio Area	406 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	408 N CHERRY ST
City	O FALLON
State	IL
Zip	62269-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEGOLE ADD O FALLON LOT/SEC-9 DOC A02705426
Legal Subdivision	BEGOLE ADD O FALLON
Legal Block	219
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1020
Census Tract	504354

Owner

408 N Cherry St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	408 N CHERRY ST, O FALLON, IL 62269-1118
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

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Jun 25, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Sep 25, 2019	Deed of Trust, Mortgage · FHA Mortgage GUILD MTG
Feb 1, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2021 · Amount on File
Deed Sale	Jun 25, 2021 · Amount on File
Prior Sale	Feb 1, 2019 · Amount on File
Deed Document Number	20212705426
Prior Transfer Date	Jul 16, 2003
Prior Transfer Doc	0001777386
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 N CHERRY ST, O FALLON, IL 62269-1118
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02783676
Date	Jun 14, 2023
Instrument	A02783676

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 13, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 25, 2021
Property Address	408 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	0A02705426
Map Reference	MB M PG 32
Instrument Date	Jun 23, 2021
Instrument	A02705426
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.50
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	408 N CHERRY ST, O FALLON, IL 62269-1118

Mortgage

Document Number	0A02705427
Date	Jun 25, 2021
Instrument	A02705427

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	00A2628201
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	408 N CHERRY ST O FALLON IL 622691118, O FALLON, IL 62269-1118

Mortgage

Document Number	00A2628201
Date	Sep 27, 2019
Instrument	2628201

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 1, 2019
Property Address	408 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	00A2602947
Instrument Date	Jan 26, 2019
Instrument	2602947
Transaction Type	Transfer
Record Updated	Feb 25, 2019
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	$267.00
Amount Accuracy	Confirmed
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	2943 E STROOP RD KETTERING OH 454401358, KETTERING, OH 45440-1358

Mortgage

Document Number	A2602948
Date	Feb 1, 2019
Instrument	2602948

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 408 N Cherry St was $4,584 with a homeowner's exemption.

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	$4,584.00	$69,601 Land $4,885 Building $64,716	$208,803 Land $14,655 Building $194,148
2022		$51,809 Land $3,636 Building $48,173	$155,427 Land $10,908 Building $144,519

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 N Cherry St; there have been 3 flood claims nearby since 1990.

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

The area around 408 N Cherry 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 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.

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