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

St. Clair County property record for 412 N Cherry St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,290 sqft · built 1954
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,866 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2020 Mortgage + 1 more
APN	`04-30-0-219-001`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-219-001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,290 sqft Living Area
Basement Area	1,290 sqft
Unfinished Basement	1,290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1985
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	7,405 sqft (0.17 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	462 sqft
Deck Area	28 sqft
Patio Area	28 sqft
Canopy	242 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	412 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-7 A02674357
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

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	412 N CHERRY ST, O FALLON, IL 62269-1118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 5, 2020	Quit Claim Deed, Transfer · VA Mortgage FREEDOM MTG
Feb 26, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020
Deed Sale	Nov 5, 2020
Prior Sale	Feb 26, 2018 · Amount on Record
Deed Document Number	20202674357
Prior Transfer Date	Oct 23, 2020
Prior Transfer Doc	00A2674357
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	412 N CHERRY ST, O FALLON, IL 62269-1118
Transaction Type	Mortgage
Record Updated	Aug 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02709607
Date	Jul 27, 2021
Instrument	A02709607

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Jun 1, 2048

Interest

Rate	2.87%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 5, 2020
Property Address	412 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	00A2674357
Instrument Date	Oct 23, 2020
Instrument	2674357
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	412 N CHERRY ST O FALLON IL 622691118, O FALLON, IL 62269-1118

Mortgage

Document Number	A2674358
Date	Nov 5, 2020
Instrument	2674358

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Nov 4, 2048

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 26, 2018
Property Address	412 N CHERRY ST, O FALLON, IL 62269-1118
Document Number	00A2568415
Instrument Date	Feb 20, 2018
Instrument	2568415
Transaction Type	Transfer
Record Updated	Mar 14, 2018
Title Company	ADVANCE TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$188.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	114 CHRISTINE DR BELLEVILLE IL 622214477, BELLEVILLE, IL 62221-4477

Mortgage

Document Number	A2568417
Date	Feb 26, 2018
Instrument	2568417

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$3,866.00 (+9.58%) Homeowner's exemption	$59,644 (+9.62%) Land $4,904 Building $54,740	$178,932 (+9.62%) Land $14,712 Building $164,220
2024	$3,528.00	$54,410 (+22.55%) Land $4,474 Building $49,936	$163,230 (+22.55%) Land $13,422 Building $149,808
2022		$44,398 Land $3,651 Building $40,747	$133,194 Land $10,953 Building $122,241

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
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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