St. Clair County property record for 4658 Cherry Circle Ct, Smithton, IL 62285
| Property Type | Single Family Home |
|---|---|
| Details | 1,859 sqft · built 2015 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $283,000 (Jul 2020) |
| Tax Bill | $6,361 (2019) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2021 Second Mortgage + 3 more |
| APN | 17-05-0-202-003 |
| Primary APN | 17-05-0-202-003 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,859 sqft Living Area |
| Gross Area | 3,718 sqft |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Area | 614 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 220 sqft |
| Deck Area | 32,000 sqft |
| Patio Area | 320 sqft |
| Cooling System | Central |
|---|
| Street Address | 4658 CHERRY CIRCLE CT |
|---|---|
| City | SMITHTON |
| State | IL |
| Zip | 62285-3675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 45 A02658621 |
| Legal Subdivision | SOUTH WOODS |
| Legal Lot Number | 45 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | PRAIRIE DU LONG |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 504001 |
Source: St. Clair County records · APN 17-05-0-202-003
Assessment roll updated January 1, 2022 · Last verified August 2023
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 File |
|---|---|
| Mailing Address | 4658 CHERRY CIRCLE CT, SMITHTON, IL 62285-3675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC |
| Dec 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GEORGIA BANKING CO |
| Jul 20, 2020 | Warranty Deed, Transfer · Conventional with PMI HOME LOAN EXPERT LLC |
| Jul 03, 2019 | Deed of Trust, Mortgage · Line of Credit FCB BK |
| May 26, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CNTY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 20, 2020 · Amount on Record |
| Deed Sale | Jul 20, 2020 · Amount on Record |
| Prior Sale | Jul 11, 2014 · Amount on Record |
| Deed Document Number | A02658621 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 4658 CHERRY CIRCLE CT, SMITHTON, IL 62285-3675 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4658 CHERRY CIRCLE CT, SMITHTON, IL 62285-3675 |
| Document Number | 0A02870152 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | A02870152 |
| Name | GOLDEN EMPIRE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BAKERSFIELD, CA 93309 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 4658 CHERRY CIRCLE CT, SMITHTON, IL 62285-3675 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0A02728233 |
|---|---|
| Date | Dec 03, 2021 |
| Instrument | A02728233 |
| Name | GEORGIA BANKING CO |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30339 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Jul 20, 2020 |
| Property Address | 4658 CHERRY CIRCLE CT, SMITHTON, IL 62285-3675 |
| Document Number | 00A2658621 |
| Instrument Date | Jul 16, 2020 |
| Instrument | 2658621 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2020 |
| Title Company | TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $425.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4658 CHERRY CIRCLE CT SMITHTON IL 622853675, SMITHTON, IL 62285-3675 |
| Document Number | A2658622 |
|---|---|
| Date | Jul 20, 2020 |
| Instrument | 2658622 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 4658 CHERRY CIRCLE CT, SMITHTON, IL 62285-3675 |
| Document Number | 00A2620207 |
| Instrument Date | Jul 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 02, 2019 |
| Title Company | ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4658 CHERRY CIRCLE CT SMITHTON IL 622853675, SMITHTON, IL 62285-3675 |
| Document Number | 00A2620207 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 2620207 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | SWANSEA, IL 62226 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 4658 CHERRY CIRCLE CT, SMITHTON, IL 62285-3675 |
| Document Number | 00A2539149 |
| Instrument Date | May 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2017 |
| Title Company | ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4658 CHERRY CIRCLE CT SMITHTON IL 622853675, SMITHTON, IL 62285-3675 |
| Document Number | 00A2539149 |
|---|---|
| Date | Jun 06, 2017 |
| Instrument | 2539149 |
| Name | FIRST CNTY BK |
|---|---|
| Type | Bank |
| Address | SWANSEA, IL 62226 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 05, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Clair County records · Assessment roll updated January 1, 2022 · Last verified August 2023
| Type | Name |
|---|---|
| State | Illinois |
| County | St. Clair County |
| County Subdivision | Prairie Du Long 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | $99,944 Land $15,614 Building $84,330 | $299,832 Land $46,842 Building $252,990 | |
| 2019 | $6,361.00 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2011 · other causes |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wisper ISP Fixed Wireless | 400 / 30 |
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 10 / 1 |
May also be available: AT&T, Mediacom Communications, T-Mobile USA, Verizon.
Based on FCC filings for 79 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SMITHTON serves 4,381 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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