St. Clair County property record for 435 N Oak St, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $96,500 (Apr 2009) |
| Tax Bill | $1,152 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| APN | 04-30-0-217-018 |
| Primary APN | 04-30-0-217-018 |
|---|
| Lot Area | 7,405 sqft (0.17 acres) |
|---|---|
| Garage Area | 816 sqft |
| Street Address | 435 N OAK ST |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-1144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SMILEYS ADD LOT/SEC-40 A02152815 A02152816 |
| Legal Subdivision | SMILEYS ADD |
| Legal Block | 217 |
| Legal Lot Number | 40 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 504354 |
435 N Oak St is owned and occupied by an individual who bought it in April 2009.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 435 N OAK ST, O FALLON, IL 62269-1144 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 2009 · Amount on File |
| Deed Sale | Apr 1, 2009 · Amount on File |
| Deed Document Number | 20092152816 |
| Prior Transfer Date | Mar 12, 2009 |
| Prior Transfer Doc | 00A2152815 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 435 N OAK ST, O FALLON, IL 62269-1144 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2023 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Name | Verified Name |
|---|
| Document Number | 0A02692592 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | A02692592 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT LOUIS, MO 63143 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
The 2025 property tax bill for 435 N Oak St was $1,152, up 8.4% from the year before.
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,152.00 (+8.37%) | $15,993 (+9.62%) Land $5,097 Building $10,896 | $47,979 (+9.62%) Land $15,291 Building $32,688 |
| 2024 | $1,063.00 | $14,590 Land $4,650 Building $9,940 | $43,770 Land $13,950 Building $29,820 |
| 2022 | $11,905 Land $3,794 Building $8,111 | $35,715 Land $11,382 Building $24,333 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA has no flood map on file for 435 N Oak St; there have been 3 flood claims nearby since 1990.
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.
The area around 435 N Oak St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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