513 Joy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 513 Joy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 864 sqft · built 1956
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$108,000 (Feb 2021)
Tax Bill	$2,593 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Apr 2017 Mortgage
APN	`04-31-0-200-004`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-200-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	864 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	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	240 sqft
Patio Area	240 sqft
Canopy	72 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	513 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-34 DOC A02686020
Legal Subdivision	FAUSS, ART, HOMESITES
Legal Block	200
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3024
Census Tract	504354

Owner

513 Joy Dr is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	513 JOY DR, O FALLON, IL 62269-2416
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
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage SCOTT CU
Apr 28, 2017	Quit Claim Deed, Mortgage · FHA Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Jun 8, 2009 · Amount on File
Deed Document Number	20212686020
Prior Transfer Date	Apr 18, 2017
Prior Transfer Doc	00A2534966
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 1, 2021
Property Address	513 JOY DR, O FALLON, IL 62269-2416
Document Number	A02686020
Map Reference	MB 48 PG 44&45
Instrument Date	Jan 29, 2021
Instrument	A02686020
Transaction Type	Transfer
Record Updated	Aug 23, 2021
Title Company	TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
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 in Severalty
Address	513 JOY DR, O FALLON, IL 62269-2416

Mortgage

Document Number	A02686021
Date	Feb 1, 2021
Instrument	A02686021

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 28, 2017
Property Address	513 JOY DR, O FALLON, IL 62269-2416
Document Number	00A2534966
Instrument Date	Apr 18, 2017
Instrument	2534966
Transaction Type	Mortgage
Record Updated	May 15, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 JOY DR O FALLON IL 622692416, O FALLON, IL 62269-2416

Mortgage

Document Number	A2534967
Date	Apr 28, 2017
Instrument	2534967

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 513 Joy Dr was $2,593 with a homeowner's exemption, up 10.2% 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	$2,593.00 (+10.2%) Homeowner's exemption	$41,977 (+9.62%) Land $7,441 Building $34,536	$125,931 (+9.62%) Land $22,323 Building $103,608
2024	$2,353.00	$38,293 Land $6,788 Building $31,505	$114,879 Land $20,364 Building $94,515
2022		$31,246 Land $5,539 Building $25,707	$93,738 Land $16,617 Building $77,121

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 513 Joy Dr; there have been 4 flood claims nearby since 1979.

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

The area around 513 Joy Dr 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 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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