4100 Summer Oak Dr, Smithton, IL 62285 Property Records

St. Clair County property record for 4100 Summer Oak Dr, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,344 sqft · built 2018
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Aug 2017)
Tax Bill	$9,603 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2020 Mortgage + 4 more
APN	`17-07-0-402-005`

Property Details

APN / Parcel Number

Primary APN	`17-07-0-402-005`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,344 sqft Living Area
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Porch	Porch
Porch Area	418 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4100 SUMMER OAK DR
City	SMITHTON
State	IL
Zip	62285-3509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILDWOOD ESTATES WEST 1ST ADD PT LT 32 LYG IN SEC 7 A02550190
Legal Subdivision	WILDWOOD ESTATES
Legal Block	402
Legal Lot Number	32
Jurisdiction	ST CLAIR IL
Township / Civil Division	PRAIRIE DU LONG
Census Block Group	3
Census Block	3029
Census Tract	504001

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	4100 SUMMER OAK DR, SMITHTON, IL 62285-3509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Jun 3, 2020	Deed of Trust, Mortgage · Conventional with PMI FCB BK
May 15, 2018	Deed of Trust, Mortgage · Line of Credit FCB BK
Mar 14, 2018	Deed of Trust, Mortgage FIRSTCO MTG
Aug 30, 2017	Grant Deed, Construction Loan · Line of Credit FIRST CNTY BK
Jun 16, 2017	Trustee's Deed, Construction Loan · Line of Credit PROVIDENCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2017 · Amount on Record
Deed Sale	Aug 30, 2017 · Amount on Record
Deed Document Number	20172550190
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4100 SUMMER OAK DR, SMITHTON, IL 62285-3509
Document Number	00A2660205
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Oct 13, 2020
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4100 SUMMER OAK DR SMITHTON IL 622853509, SMITHTON, IL 62285-3509

Mortgage

Document Number	00A2660205
Date	Jul 31, 2020
Instrument	2660205

Lender

Name	FCB BANKS
Address	O FALLON, IL 62269

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4100 SUMMER OAK DR, SMITHTON, IL 62285-3509
Document Number	00A2654919
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4100 SUMMER OAK DR SMITHTON IL 622853509, SMITHTON, IL 62285-3509

Mortgage

Document Number	00A2654919
Date	Jun 18, 2020
Instrument	2654919

Lender

Name	FCB BK
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 17, 2035

Interest

Rate	2.62%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4100 SUMMER OAK DR, SMITHTON, IL 62285-3509
Document Number	00A2577724
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018
Title Company	TOWN AND COUNTRY TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4100 SUMMER OAK DR SMITHTON IL 622853509, SMITHTON, IL 62285-3509

Mortgage

Document Number	00A2577724
Date	May 30, 2018
Instrument	2577724

Lender

Name	FCB BK
Type	Bank
Address	O'FALLON, IL 62269

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 29, 2033

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4100 SUMMER OAK DR, SMITHTON, IL 62285-3509
Document Number	00A2570510
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 10, 2018
Title Company	TOWN AND COUNTRY TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4100 SUMMER OAK DR SMITHTON IL 622853509, SMITHTON, IL 62285-3509

Mortgage

Document Number	00A2570510
Date	Mar 19, 2018
Instrument	2570510

Lender

Name	FIRSTCO MTG
Type	Mortgage Company
Address	O'FALLON, IL 62269

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2048

August 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 30, 2017
Property Address	4100 SUMMER OAK DR, SMITHTON, IL 62285-3509
Document Number	00A2550190
Instrument Date	Aug 29, 2017
Instrument	2550190
Transaction Type	Construction Loan
Record Updated	Nov 22, 2017
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Tax	$57.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2733 TURKEY HILL LN BELLEVILLE IL 622216903, BELLEVILLE, IL 62221-6903

Mortgage

Document Number	A2550191
Date	Aug 30, 2017
Instrument	2550191

Lender

Name	FIRST CNTY BK
Type	Bank
Address	O'FALLON, IL 62269

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Aug 29, 2024

Interest

Rate Type	Adjustable Rate
Rate	3.95%

June 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 16, 2017
Property Address	4100 SUMMER OAK DR, SMITHTON, IL 62285-3509
Instrument Date	Jun 14, 2017
Instrument	2540335
Transaction Type	Construction Loan
Record Updated	Nov 23, 2017
Title Company	PROFESSIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4001 STATE ROUTE 159 #107 SMITHTON IL 622852508, 107, SMITHTON, IL 62285-2508

Mortgage

Document Number	00A2540335
Date	Jun 16, 2017
Instrument	2540335

Lender

Name	PROVIDENCE BK
Type	Bank
Address	FAIRVIEW HEIGHTS, IL 62208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 15, 2018

Interest

Rate Type	Adjustable Rate

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	Prairie Du Long Township
Municipality	Smithton Village
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,603.00 (+18.31%)	$125,675 (+25.28%) Land $15,939 Building $109,736	$377,025 (+25.28%) Land $47,817 Building $329,208
2022	$8,117.00 (+15.53%) Homeowner's exemption	$100,315 (+5.95%) Land $13,522 Building $86,793	$300,945 (+5.95%) Land $40,566 Building $260,379
2021		$94,682 Land $12,763 Building $81,919	$284,046 Land $38,289 Building $245,757
2019	$7,026.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2011 · 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	SMITHTON serves 4,381 people · EPA ID IL1631300
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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