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

St. Clair County property record for 409 N Cherry St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	935 sqft · built 1907
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Dec 2023)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2021 Line of Credit
APN	`04-30-0-218-015`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-218-015`

Interior

Stories	2 Stories
Building Area	935 sqft Living Area
Gross Area	1,870 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,405 sqft (0.169 acres)
Garage Area	48,000 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	492 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	409 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-18 A02684778
Legal Subdivision	SMILEYS ADD
Legal Lot Number	18
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 January 4, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	409 N CHERRY ST, O FALLON, IL 62269-1119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 25, 2021	Warranty Deed, Transfer · Line of Credit CARROLLTON BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Jan 25, 2021 · Amount on Record
Deed Document Number	A02800811
Record Updated	Jun 7, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 18, 2023
Property Address	409 N CHERRY ST, O FALLON, IL 62269-1119
Document Number	0A02800811
Map Reference	MB L PG 22
Instrument Date	Nov 30, 2023
Instrument	A02800811
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 N CHERRY ST, O FALLON, IL 62269-1119

Mortgage

Document Number	0A02800812
Date	Dec 18, 2023
Instrument	A02800812

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 25, 2021
Property Address	409 N CHERRY ST, O FALLON, IL 62269-1119
Document Number	00A2684778
Instrument Date	Jan 20, 2021
Instrument	2684778
Transaction Type	Transfer
Record Updated	Apr 27, 2021
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2016 N 89TH ST CASEYVILLE IL 622322301, CASEYVILLE, IL 62232-2301

Mortgage

Document Number	A2684779
Date	Jan 25, 2021
Instrument	2684779

Lender

Name	CARROLLTON BK
Type	Bank
Address	BELLEVILLE, IL 62269-2085

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2022

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	Assessed Value	Assessed Market Value
2022	$43,829 Land $3,765 Building $40,064	$131,487 Land $11,295 Building $120,192

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.

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