415 S Smith St, Smithton, IL 62285 Property Records

St. Clair County property record for 415 S Smith St, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,120 sqft · built 1988
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Nov 2025)
Tax Bill	$3,231 (2025)
Deeds & Mortgages	Jun 2025 Mortgage Aug 2024 Mortgage + 2 more
APN	`13-33-0-224-005`

Property Details

APN / Parcel Number

Primary APN	`13-33-0-224-005`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Mixed
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	415 S SMITH ST
City	SMITHTON
State	IL
Zip	62285-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A & H ESTATES 1ST SUB LOT/SEC-5 DOC A02867047
Legal Subdivision	A & H ESTATES
Legal Block	224
Jurisdiction	ST CLAIR IL
Township / Civil Division	SMITHTON
Census Block Group	3
Census Block	3089
Census Tract	503906

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	415 S SMITH ST, SMITHTON, IL 62285-1712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2025	Deed of Trust, Mortgage · Commercial Mortgage FCB BANKS
Aug 30, 2024	Deed of Trust, Mortgage · Commercial Mortgage FCB BANKS
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 3, 2017	Warranty Deed, Transfer · Conventional Mortgage CITIZENS CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Jan 3, 2017 · Amount on Record
Deed Document Number	20252867047
Prior Transfer Date	Sep 2, 2008
Prior Transfer Doc	0002122805
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	415 S SMITH ST, SMITHTON, IL 62285-1712
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 S SMITH ST, SMITHTON, IL 62285-1712
Investor	Possibly a Property Investor

Mortgage

Document Number	0A02850259
Date	Jun 6, 2025
Instrument	A02850259

Lender

Name	FCB BANKS
Type	Bank
Address	BELLEVILLE, IL 62226

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	415 S SMITH ST, SMITHTON, IL 62285-1712
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 S SMITH ST, SMITHTON, IL 62285-1712

Mortgage

Document Number	0A02823538
Date	Aug 30, 2024
Instrument	A02823538

Lender

Name	FCB BANKS
Type	Bank
Address	BELLEVILLE, IL 62226

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 21, 2025
Property Address	415 S SMITH ST, SMITHTON, IL 62285-1712
Document Number	0A02867047
Map Reference	MB 83 PG 98
Instrument Date	Nov 21, 2025
Instrument	A02867047
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	415 S SMITH ST, SMITHTON, IL 62285-1712

Mortgage

Document Number	0A02867048
Date	Nov 21, 2025
Instrument	A02867048

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate	6.47%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 3, 2017
Property Address	415 S SMITH ST, SMITHTON, IL 62285-1712
Document Number	00A2522462
Instrument Date	Dec 30, 2016
Instrument	2522462
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	415 S SMITH ST SMITHTON IL 622851712, SMITHTON, IL 62285-1712

Mortgage

Document Number	A2522463
Date	Jan 3, 2017
Instrument	2522463

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 2, 2032

Interest

Rate	3.25%

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	Smithton 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	$3,231.00 (+8.97%) Homeowner's exemption	$45,925 (+9.3%) Land $4,467 Building $41,458	$137,775 (+9.3%) Land $13,401 Building $124,374
2024	$2,965.00 (+17.57%) Homeowner's exemption	$42,018 (+17.23%) Land $4,514 Building $37,504	$126,054 (+17.23%) Land $13,542 Building $112,512
2022		$35,843 Land $3,851 Building $31,992	$107,529 Land $11,553 Building $95,976
2019	$2,522.00

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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	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	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 412 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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