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

St. Clair County property record for 416 W 4th St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 622 sqft · built 1902
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,959 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2022 Line of Credit + 1 more
APN	`04-30-0-410-020`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-410-020`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	622 sqft Living Area
Attic	Attic
Attic Area	400 sqft
Basement Area	646 sqft
Unfinished Basement	646 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	5,227 sqft (0.12 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	528 sqft
Deck Area	32 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	416 W 4TH ST
City	O FALLON
State	IL
Zip	62269-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WACHTERS 2ND ADD LOT/SEC-27 2624-2392
Legal Subdivision	WACHTERS 2ND ADD
Legal Block	410
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3003
Census Tract	504354

Owner

416 W 4th St is owned and occupied by two individuals.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	416 W 4TH ST, O FALLON, IL 62269-2013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Jul 18, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Jun 24, 2026
Property Address	416 W 4TH ST, O FALLON, IL 62269-2013
Document Number	0002887270
Instrument Date	Jun 1, 2026
Instrument	20262887270
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W 4TH ST, O FALLON, IL 62269-2013

Mortgage

Document Number	0002887270,
Date	Jun 24, 2026
Instrument	20262887270

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Rate Type	Fixed Rate
Rate	7.38%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	416 W 4TH ST, O FALLON, IL 62269-2013
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W 4TH ST, O FALLON, IL 62269-2013

Mortgage

Document Number	0A02753349
Date	Jul 18, 2022
Instrument	A02753349

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2042

Interest

Rate Type	Fixed Rate
Rate	4.87%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	416 W 4TH ST, O FALLON, IL 62269-2013
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 W 4TH ST, O FALLON, IL 62269-2013

Mortgage

Document Number	0A02753570
Date	Jul 19, 2022
Instrument	A02753570

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 416 W 4th St was $2,959 with a homeowner's exemption.

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	$2,959.00	$47,054 Land $3,671 Building $43,383	$141,162 Land $11,013 Building $130,149
2022		$35,026 Land $2,732 Building $32,294	$105,078 Land $8,196 Building $96,882

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 416 W 4th St; there have been 4 flood claims nearby since 1979.

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

Wildfire risk around 416 W 4th St is low, with less than a 0.01% annual chance of 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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