505 Overbrook Cir, O Fallon, IL 62269 Property Records

St. Clair County property record for 505 Overbrook Cir, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,569 sqft · built 2005
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$528,500 (Mar 2025)
Tax Bill	$11,890 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2021 Mortgage
APN	`04-22-0-302-011`

Property Details

APN / Parcel Number

Primary APN	`04-22-0-302-011`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	2,569 sqft Living Area
Basement Area	3,369 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Frame
Lot Area	16,117 sqft (0.37 acres)
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	505 OVERBROOK CIR
City	O FALLON
State	IL
Zip	62269-4234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRAESWOOD FOREST LOT/SEC-11 A02842150
Legal Subdivision	BRAESWOOD FOREST
Legal Block	302
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2084
Census Tract	504358

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 OVERBROOK CIR, O FALLON, IL 62269-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 25, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2025 · Amount on Record
Deed Sale	Mar 13, 2025 · Amount on Record
Prior Sale	Jul 24, 2023 · Amount on Record
Deed Document Number	20252842150
Prior Transfer Date	Nov 16, 2006
Prior Transfer Doc	0002012527
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 24, 2023
Property Address	505 OVERBROOK CIR, O FALLON, IL 62269-4234
Document Number	0A02787280
Map Reference	MB 102 PG 90&91
Instrument Date	Jul 20, 2023
Instrument	A02787280
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	PINNACLE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$459.00
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 by the Entirety
Address	505 OVERBROOK CIR, O FALLON, IL 62269-4234

Mortgage

Document Number	0A02787281
Date	Jul 24, 2023
Instrument	A02787281

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	7.49%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	505 OVERBROOK CIR, O FALLON, IL 62269-4234
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02723008
Date	Oct 25, 2021
Instrument	A02723008

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Aug 1, 2046

Interest

Rate	2.75%

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	$11,890.00	$164,952 (+35.54%) Land $27,302 Building $137,650	$494,856 (+35.54%) Land $81,906 Building $412,950
2022		$121,700 Land $20,324 Building $101,376	$365,100 Land $60,972 Building $304,128

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	3 (2013–2026)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 2026 · 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	Low lower than 96% of the US · lower than 74% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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