431 Eagle Terrace Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 431 Eagle Terrace Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,448 sqft · built 1991
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Feb 2023)
Tax Bill	$4,235 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Jul 2022 Transfer
APN	`04-30-0-304-011`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-304-011`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,448 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	4,792 sqft (0.11 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	108 sqft
Canopy	108 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	431 EAGLE TERRACE DR
City	O FALLON
State	IL
Zip	62269-1935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE RIDGE SUB LOT/SEC-15 A02772986
Legal Subdivision	EAGLE RIDGE SUB
Legal Block	304
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1032
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	431 EAGLE TERRACE DR, O FALLON, IL 62269-1935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 25, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2023 · Amount on Record
Deed Sale	Feb 6, 2023 · Amount on Record
Prior Sale	Jul 25, 2022
Deed Document Number	20232772986
Prior Transfer Date	Feb 3, 2023
Prior Transfer Doc	0002772986
Record Updated	Oct 29, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 6, 2023
Property Address	431 EAGLE TERRACE DR, O FALLON, IL 62269-1935
Document Number	0A02772986
Map Reference	MB 83 PG 27
Instrument Date	Feb 3, 2023
Instrument	A02772986
Transaction Type	Transfer
Record Updated	Aug 24, 2023
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	$170.00
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	431 EAGLE TERRACE DR, O FALLON, IL 62269-1935

Mortgage

Document Number	0A02772987
Date	Feb 6, 2023
Instrument	A02772987

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.62%

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Jul 25, 2022
Property Address	431 EAGLE TERRACE DR, O FALLON, IL 62269-1935
Document Number	0A02753975
Map Reference	MB 83 PG 27
Instrument Date	Jul 21, 2022
Instrument	A02753975
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1794 KYLE CT, NIPOMO, CA 93444-6626

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	$4,235.00	$64,655 (+34.34%) Land $8,614 Building $56,041	$193,965 (+34.34%) Land $25,842 Building $168,123
2022		$48,128 Land $6,412 Building $41,716	$144,384 Land $19,236 Building $125,148

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: ClearWave, Wisper ISP.

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