428 Cortner Dr, Smithton, IL 62285 Property Records

St. Clair County property record for 428 Cortner Dr, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,599 sqft · built 2001
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (May 2017)
Tax Bill	$6,193 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2021 Mortgage + 1 more
APN	`13-28-0-177-001`

Property Details

APN / Parcel Number

Primary APN	`13-28-0-177-001`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,599 sqft Living Area
Basement Area	1,599 sqft
Unfinished Basement	1,599 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Combination
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	196 sqft
Canopy	30 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	428 CORTNER DR
City	SMITHTON
State	IL
Zip	62285-1481
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET MEADOWS LOT/SEC-10 A02535949
Legal Subdivision	SUNSET MEADOWS
Legal Block	177
Jurisdiction	ST CLAIR IL
Township / Civil Division	SMITHTON
Census Block Group	3
Census Block	3014
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	2 Individual Names on Record
Mailing Address	428 CORTNER DR, SMITHTON, IL 62285-1481
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
May 5, 2017	Warranty Deed, Transfer · FHA Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2017 · Amount on Record
Deed Sale	May 5, 2017 · Amount on Record
Prior Sale	Sep 26, 2000 · Amount on Record
Deed Document Number	20172535949
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	428 CORTNER DR, SMITHTON, IL 62285-1481
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 CORTNER DR, SMITHTON, IL 62285-1481

Mortgage

Document Number	0A02797061
Date	Nov 7, 2023
Instrument	A02797061

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2038

Interest

Rate	9%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	428 CORTNER DR, SMITHTON, IL 62285-1481
Transaction Type	Mortgage
Record Updated	Jul 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02707496
Date	Jul 13, 2021
Instrument	A02707496

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.37%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 5, 2017
Property Address	428 CORTNER DR, SMITHTON, IL 62285-1481
Document Number	00A2535949
Instrument Date	Apr 28, 2017
Instrument	2535949
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	TITLE PROFESSIONALS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 CORTNER DR SMITHTON IL 622851481, SMITHTON, IL 62285-1481

Mortgage

Document Number	A2535950
Date	May 5, 2017
Instrument	2535950

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2047

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	$6,193.00 (+26.34%)	$82,526 (+17.51%) Land $16,847 Building $65,679	$247,578 (+17.51%) Land $50,541 Building $197,037
2022		$70,226 Land $14,523 Building $55,703	$210,678 Land $43,569 Building $167,109
2019	$4,902.00

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	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	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 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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