412 Nancy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 412 Nancy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,296 sqft · built 1989
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Jun 2026)
Tax Bill	$4,877 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2026 Sale + 1 more
APN	`04-31-0-223-007`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-223-007`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,296 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1995
Architectural Style	Duplex Single
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Mixed
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	412 NANCY DR
City	O FALLON
State	IL
Zip	62269-3415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST END TERRACE LOT/SEC-7 DOC A02452097
Legal Subdivision	WEST END TERRACE
Legal Block	223
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3033
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	Company Name on Record
Mailing Address	PO BOX 4620, FAIRVIEW HEIGHTS, IL 62208-4620
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Commercial Mortgage CARROLLTON BANK
Jun 30, 2026	Warranty Deed, Transfer ADVANCED TITLE SOLUTIONS
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Oct 17, 2003 · Amount on Record
Deed Document Number	20262888020
Prior Transfer Date	Apr 25, 2015
Prior Transfer Doc	00A2452097
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Aug 28, 2026
Property Address	412 NANCY DR, O FALLON, IL 62269-3415
Document Number	0002894045
Instrument Date	Aug 28, 2026
Instrument	20262894045
Transaction Type	Mortgage
Record Updated	Sep 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002894045,
Date	Aug 28, 2026
Instrument	20262894045

Lender

Name	CARROLLTON BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 30, 2026
Property Address	412 NANCY DR, O FALLON, IL 62269-3415
Document Number	0002888020
Instrument Date	Jun 26, 2026
Instrument	20262888020
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Tax	$34,087.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	412 NANCY DR, O FALLON, IL 62269-3415
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02725846
Date	Nov 15, 2021
Instrument	A02725846

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

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	$4,877.00 (+8.4%)	$67,667 (+9.62%) Land $10,354 Building $57,313	$203,001 (+9.62%) Land $31,062 Building $171,939
2024	$4,499.00	$61,728 (+22.55%) Land $9,445 Building $52,283	$185,184 (+22.55%) Land $28,335 Building $156,849
2022		$50,368 Land $7,707 Building $42,661	$151,104 Land $23,121 Building $127,983

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 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	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 449 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: ClearWave, Wisper ISP.

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