St. Clair County property record for 409 Joy Dr, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,032 sqft · built 1951 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,000 (Aug 2005) |
| Tax Bill | $2,613 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| APN | 04-31-0-201-002 |
| Primary APN | 04-31-0-201-002 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Area | 240 sqft |
| Driveway | Driveway |
| Driveway Area | 840 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 240 sqft |
| Cooling System | Central |
|---|
| Street Address | 409 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-42 A02861411 |
| Legal Subdivision | FAUSS, ART, HOMESITES |
| Legal Block | 201 |
| Legal Lot Number | 42 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 504354 |
409 Joy Dr is owned and occupied by an individual who acquired it in September 2025.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2005 · Amount on File |
| Deed Sale | Aug 26, 2005 · Amount on File |
| Deed Document Number | 20051930189 |
| Deed Book / Page | 4227 / 198 |
| Last Transfer Date | Sep 26, 2025 |
| Transfer Doc | 0002861411 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 26, 2025 |
| Property Address | 409 JOY DR, O FALLON, IL 62269-2415 |
| Document Number | 0A02861411 |
| Map Reference | MB 48 PG 44 |
| Instrument Date | Sep 8, 2025 |
| Instrument | A02861411 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Title Company | BENCHMARK TITLE COMPANY, BENCHMARK TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 JOY DR, O FALLON, IL 62269-2415 |
| Document Number | 0A02861412 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | A02861412 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
The 2025 property tax bill for 409 Joy Dr was $2,613 with a homeowner's exemption, up 10.2% from the year before.
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,613.00 (+10.16%) | $42,250 (+9.62%) Land $7,530 Building $34,720 | $126,750 (+9.62%) Land $22,590 Building $104,160 |
| 2024 | $2,372.00 Homeowner's exemption | $38,542 Land $6,869 Building $31,673 | $115,626 Land $20,607 Building $95,019 |
| 2022 | $31,449 Land $5,605 Building $25,844 | $94,347 Land $16,815 Building $77,532 |
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.
FEMA has no flood map on file for 409 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.
The area around 409 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.
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 |
| 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.
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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