413 W Madison St, O Fallon, IL 62269 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 ba · 864 sqft · built 1984
Lot Size	2.04 acres (88,862 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,000 (Jul 2015)
Tax Bill	$8,082 (2025)
Deeds & Mortgages	May 2021 Mortgage Nov 2019 Line of Credit
APN	`04-30-0-200-030`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-200-030`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	88,862 sqft (2.04 acres)
Garage Type	Mixed
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	500 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	413 W MADISON ST
City	O FALLON
State	IL
Zip	62269-1180
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFALLON TWP SEC 30 LOT/SEC-30-SUBL/TWP-2N-BLK/RG-7W PT LOT 9 IN NW A02461192
Legal Range	07W
Legal Township	02N
Legal Section	30
Legal Subdivision	OFALLON TWP SEC 30
Legal Block	200
Legal Lot Number	9
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1015
Census Tract	504354

Owner

Source: St. Clair County records, as of October 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	413 W MADISON ST, O FALLON, IL 62269-1180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC
Nov 15, 2019	Deed of Trust, Mortgage · Line of Credit STATE FARM BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2015 · Amount on Record
Deed Sale	Jul 20, 2015 · Amount on Record
Prior Sale	Oct 17, 2012 · Amount on Record
Deed Document Number	20152461192
Last Transfer Date	Jun 3, 2024
Transfer Doc	0002816132
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	413 W MADISON ST, O FALLON, IL 62269-1180
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02701142
Date	May 24, 2021
Instrument	A02701142

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	413 W MADISON ST, O FALLON, IL 62269-1180
Document Number	00A2635488
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	413 W MADISON ST O FALLON IL 622691180, O FALLON, IL 62269-1180

Mortgage

Document Number	00A2635488
Date	Dec 9, 2019
Instrument	2635488

Lender

Name	STATE FARM BK
Type	Bank
Address	BLOOMINGTON, IL 61710

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 8, 2044

Interest

Rate Type	Adjustable Rate
Rate	4.75%

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	$8,082.00	$118,126 (+42.74%) Land $14,248 Building $103,878	$354,378 (+42.74%) Land $42,744 Building $311,634
2022		$82,758 Land $10,606 Building $72,152	$248,274 Land $31,818 Building $216,456

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 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	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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