505 Joy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 505 Joy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 876 sqft · built 1956
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Feb 2009)
Tax Bill	$2,495 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Nov 2019 Line of Credit
APN	`04-31-0-200-008`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-200-008`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	876 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,405 sqft (0.17 acres)
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	320 sqft
Shed	1 Shed
Shed Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	505 JOY DR
City	O FALLON
State	IL
Zip	62269-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAUSS, ART, HOMESITES LOT/SEC-38 A02471887
Legal Subdivision	FAUSS, ART, HOMESITES
Legal Block	200
Legal Lot Number	38
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3024
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	505 JOY DR, O FALLON, IL 62269-2416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF OFALLON
Nov 21, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF O'FALLON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2009 · Amount on Record
Deed Sale	Feb 24, 2009 · Amount on Record
Prior Sale	Aug 14, 2007 · Amount on Record
Deed Document Number	20092146732
Last Transfer Date	Oct 6, 2015
Transfer Doc	00A2471887
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	505 JOY DR, O FALLON, IL 62269-2416
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	BENEDICK TITLE, BENEDICK TITE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 JOY DR, O FALLON, IL 62269-2416

Mortgage

Document Number	0A02794836
Date	Oct 16, 2023
Instrument	A02794836

Lender

Name	BANK OF OFALLON
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	505 JOY DR, O FALLON, IL 62269-2416
Document Number	00A2635243
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	Dec 23, 2019
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 JOY DR O FALLON IL 622692416, O FALLON, IL 62269-2416

Mortgage

Document Number	00A2635243
Date	Dec 5, 2019
Instrument	2635243

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O FALLON, IL 62269-8626

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Dec 4, 2026

Interest

Rate Type	Adjustable Rate
Rate	4%

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	$2,495.00 (+10.25%) Homeowner's exemption	$40,613 (+9.62%) Land $7,530 Building $33,083	$121,839 (+9.62%) Land $22,590 Building $99,249
2024	$2,263.00	$37,049 (+22.55%) Land $6,869 Building $30,180	$111,147 (+22.55%) Land $20,607 Building $90,540
2022		$30,231 Land $5,605 Building $24,626	$90,693 Land $16,815 Building $73,878

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 Claims	4 (1979–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2013 · other causes

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	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 449 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: ClearWave, Wisper ISP.

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