503 S Smiley St, O Fallon, IL 62269 Property Records

St. Clair County property record for 503 S Smiley St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,215 sqft · built 1959
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (May 2017)
Tax Bill	$4,253 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2017 Sale & Mortgage + 1 more
APN	`04-29-0-330-006`

Property Details

APN / Parcel Number

Primary APN	`04-29-0-330-006`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,215 sqft Living Area
Basement Area	1,215 sqft
Unfinished Basement	1,215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1995
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Mixed
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	503 S SMILEY ST
City	O FALLON
State	IL
Zip	62269-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARKVIEW GARDENS 1STADD LOT/SEC-32 A02691625
Legal Subdivision	PARKVIEW GARDENS 1STADD
Legal Block	330
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2029
Census Tract	504352

Owner

503 S Smiley St is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	503 S SMILEY ST, O FALLON, IL 62269-2315
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE HOME LOAN EXPERT LLC
May 3, 2017	Warranty Deed, Transfer · FHA Mortgage HIGHLANDS RESID'L MTG
Jan 23, 2017	Warranty Deed, Construction Loan · Construction Mortgage CITIZENS CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	Jan 23, 2017 · Amount on File
Deed Document Number	20172535602
Last Transfer Date	Mar 2, 2021
Transfer Doc	00A2691625
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Mar 16, 2021
Property Address	503 S SMILEY ST, O FALLON, IL 62269-2315
Document Number	0A02691625
Map Reference	MB 54 PG 1
Instrument Date	Mar 2, 2021
Instrument	A02691625
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	TITLE SOURCES INC, TITLE RESOURCES INC

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	Joint Tenants with Right of Survivorship
Address	503 S SMILEY ST, O FALLON, IL 62269-2315

Mortgage

Document Number	0A02691626
Date	Mar 16, 2021
Instrument	A02691626

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.5%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 3, 2017
Property Address	503 S SMILEY ST, O FALLON, IL 62269-2315
Document Number	00A2535602
Instrument Date	Apr 27, 2017
Instrument	2535602
Transaction Type	Transfer
Record Updated	May 15, 2017
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
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	503 S SMILEY ST O FALLON IL 622692315, O FALLON, IL 62269-2315

Mortgage

Document Number	A2535603
Date	May 3, 2017
Instrument	2535603

Lender

Name	HIGHLANDS RESID'L MTG
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

January 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 23, 2017
Property Address	503 S SMILEY ST, O FALLON, IL 62269-2315
Document Number	00A2524440
Instrument Date	Jan 14, 2017
Instrument	2524440
Transaction Type	Construction Loan
Record Updated	Aug 17, 2018
Title Company	BENEDICK TITLE, BENEDICK TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7726 BAXTER DR BELLEVILLE IL 622232663, BELLEVILLE, IL 62223-2663

Mortgage

Document Number	A2524441
Date	Jan 23, 2017
Instrument	2524441

Lender

Name	CITIZENS CMNTY BK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 22, 2018

Interest

Rate	5.25%

Tax Assessment & Valuation

The 2025 property tax bill for 503 S Smiley St was $4,253, up 8.4% from the year before.

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	$4,253.00 (+8.41%)	$59,008 (+9.62%) Land $6,176 Building $52,832	$177,024 (+9.62%) Land $18,528 Building $158,496
2024	$3,923.00	$53,830 Land $5,634 Building $48,196	$161,490 Land $16,902 Building $144,588
2022		$43,924 Land $4,597 Building $39,327	$131,772 Land $13,791 Building $117,981

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

FEMA has no flood map on file for 503 S Smiley St; there have been 2 flood claims nearby since 1986.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1986–1996)
Most Recent Claim	Apr 1996 · Severe Storms 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

The area around 503 S Smiley 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: ClearWave, Verizon, Wisper ISP.

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