413 W 4th St, O Fallon, IL 62269 Property Records

St. Clair County property record for 413 W 4th St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 771 sqft · built 1902
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Apr 2005)
Tax Bill	$2,360 (2025)
Deeds & Mortgages	Sep 2022 Mortgage May 2019 Line of Credit
APN	`04-30-0-412-009`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-412-009`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	771 sqft Living Area
Attic	Attic
Attic Area	600 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,970 sqft (0.16 acres)
Porch	Porch
Porch Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	413 W 4TH ST
City	O FALLON
State	IL
Zip	62269-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WACHTERS ADD LOT/SEC-16 REC DOC A01906168
Legal Subdivision	WACHTERS ADD
Legal Block	412
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3004
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	Individual Name on Record
Mailing Address	413 W 4TH ST, O FALLON, IL 62269-2014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
May 29, 2019	Deed of Trust, Mortgage · Line of Credit TEMPO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2005 · Amount on Record
Deed Sale	Apr 29, 2005 · Amount on Record
Deed Document Number	20051906168
Deed Book / Page	4172 / 288
Prior Transfer Date	Feb 2, 2005
Prior Transfer Doc	4138/0892
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	413 W 4TH ST, O FALLON, IL 62269-2014
Transaction Type	Mortgage
Record Updated	Sep 29, 2022
Title Company	COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02759456
Date	Sep 15, 2022
Instrument	A02759456

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Fixed Rate
Rate	5.25%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	413 W 4TH ST, O FALLON, IL 62269-2014
Document Number	00A2614998
Instrument Date	May 29, 2019
Transaction Type	Mortgage
Record Updated	Jun 21, 2019
Title Company	BENEDICK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 W 4TH ST O FALLON IL 622692014, O FALLON, IL 62269-2014

Mortgage

Document Number	00A2614998
Date	Jun 4, 2019
Instrument	2614998

Lender

Name	TEMPO BK
Type	Bank
Address	TRENTON, IL 62293

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 3, 2034

Interest

Rate Type	Adjustable Rate
Rate	4%

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	$2,360.00 (+10.33%) Homeowner's exemption	$38,745 (+9.62%) Land $4,751 Building $33,994	$116,235 (+9.62%) Land $14,253 Building $101,982
2024	$2,139.00	$35,345 (+22.55%) Land $4,334 Building $31,011	$106,035 (+22.55%) Land $13,002 Building $93,033
2022		$28,842 Land $3,537 Building $25,305	$86,526 Land $10,611 Building $75,915

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	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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