409 S Oak St, O Fallon, IL 62269 Property Records

St. Clair County property record for 409 S Oak St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 656 sqft · built 1887
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Mar 2023)
Tax Bill	$3,690 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2022 Sale & Construction Loan
APN	`04-30-0-413-028`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-413-028`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	656 sqft Living Area
Basement Area	656 sqft
Unfinished Basement	656 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Mixed
Garage Area	368 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	409 S OAK ST
City	O FALLON
State	IL
Zip	62269-2025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEPPES ADD TO O FALLON -BLK/RG-C PT AS IN A02775340
Legal Subdivision	DEPPES ADD TO O FALLON
Legal Block	413
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3002
Census Tract	504354

Owner

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	2 Individual Names on Record
Mailing Address	409 S OAK ST, O FALLON, IL 62269-2025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORP
Feb 4, 2022	Warranty Deed, Construction Loan · Construction Mortgage BANK OF O FALLON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Feb 4, 2022 · Amount on Record
Deed Document Number	20232775340
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 7, 2023
Property Address	409 S OAK ST, O FALLON, IL 62269-2025
Document Number	0A02775340
Map Reference	MB A PG 231
Instrument Date	Mar 6, 2023
Instrument	A02775340
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
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	1609 ONTARIO DR, WATERLOO, IL 62298-5594

Mortgage

Document Number	0A02775341
Date	Mar 7, 2023
Instrument	A02775341

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.85%

February 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 4, 2022
Property Address	409 S OAK ST, O FALLON, IL 62269-2025
Document Number	0A02735533
Map Reference	PL A PG 231
Instrument Date	Feb 1, 2022
Instrument	A02735533
Transaction Type	Construction Loan
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	409 S OAK ST, 409, O FALLON, IL 62269-2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 E 4TH ST, O FALLON, IL 62269-2104

Mortgage

Document Number	0A02735534
Date	Feb 4, 2022
Instrument	A02735534

Lender

Name	BANK OF O FALLON

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2023

Tax Assessment & Valuation

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	$3,690.00	$51,201 (+34.34%) Land $7,763 Building $43,438	$153,603 (+34.34%) Land $23,289 Building $130,314
2022		$38,113 Land $5,779 Building $32,334	$114,339 Land $17,337 Building $97,002

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, i3 Broadband, Verizon.

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