509 Overbrook Cir, O Fallon, IL 62269 Property Records

St. Clair County property record for 509 Overbrook Cir, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,525 sqft · built 2005
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (May 2021)
Tax Bill	$14,958 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Sep 2019 Mortgage + 2 more
APN	`04-22-0-302-012`

Property Details

APN / Parcel Number

Primary APN	`04-22-0-302-012`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,525 sqft Living Area
Basement Area	2,525 sqft
Finished Basement	2,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Mixed
Garage Area	958 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	509 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-12 DOC A02701429
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	2 Individual Names on Record
Mailing Address	509 OVERBROOK CIR, O FALLON, IL 62269-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL CO
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SVGS BK
Aug 2, 2019	Warranty Deed, Transfer · Conventional with PMI NORTH AMERICAN SVGS BK
Jul 12, 2019	Trustee's Deed, Construction Loan · Line of Credit CARROLLTON BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Prior Sale	Aug 2, 2019 · Amount on Record
Deed Document Number	20212701429
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 25, 2021
Property Address	509 OVERBROOK CIR, O FALLON, IL 62269-4234
Document Number	A02701429
Map Reference	MB 102 PG 90&91
Instrument Date	May 21, 2021
Instrument	A02701429
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$697.50
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	509 OVERBROOK CIR, O FALLON, IL 62269-4234

Mortgage

Document Number	A02701430
Date	May 25, 2021
Instrument	A02701430

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	509 OVERBROOK CIR, O FALLON, IL 62269-4234
Document Number	00A2632643
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	509 OVERBROOK CIR O FALLON IL 622694234, O FALLON, IL 62269-4234

Mortgage

Document Number	00A2632643
Date	Nov 6, 2019
Instrument	2632643

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 2, 2019
Property Address	509 OVERBROOK CIR, O FALLON, IL 62269-4234
Document Number	00A2621360
Instrument Date	Aug 1, 2019
Instrument	2621360
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$622.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	509 OVERBROOK CIR O FALLON IL 622694234, O FALLON, IL 62269-4234

Mortgage

Document Number	A2621361
Date	Aug 2, 2019
Instrument	2621361

Lender

Name	NORTH AMERICAN SVGS BK
Type	Federal Savings Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 12, 2019
Property Address	509 OVERBROOK CIR, O FALLON, IL 62269-4234
Instrument Date	Jul 8, 2019
Instrument	2619027
Transaction Type	Construction Loan
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	509 OVERBROOK CIR O FALLON IL 622694234, O FALLON, IL 62269-4234

Mortgage

Document Number	00A2619027
Date	Jul 12, 2019
Instrument	2619027

Lender

Name	CARROLLTON BK
Type	Bank
Address	CARROLLTON, IL 62016-0232

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 11, 2020

Interest

Rate Type	Adjustable Rate
Rate	5.5%

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	$14,958.00	$207,517 (+36.77%) Land $28,098 Building $179,419	$622,551 (+36.77%) Land $84,294 Building $538,257
2022		$151,725 Land $20,915 Building $130,810	$455,175 Land $62,745 Building $392,430

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

Nearby Properties on Overbrook Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures