519 Joy Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 519 Joy Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,456 sqft · built 1956
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$206,500 (Apr 2026)
Tax Bill	$3,157 (2025)
Deeds & Mortgages	Jul 2026 Transfer Aug 2023 Mortgage + 3 more
APN	`04-31-0-200-001`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-200-001`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,456 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Mixed
Garage Area	576 sqft
Driveway	Driveway
Driveway Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	519 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-31 A02798705
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

519 Joy Dr is owned and occupied by two individuals who acquired it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	519 JOY DR, O FALLON, IL 62269-2416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jul 22, 2026	Quit Claim Deed, Transfer Quitclaim
Aug 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Oct 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Apr 7, 2026	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Nov 22, 2023	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2026 · Amount on File
Deed Sale	Apr 7, 2026 · Amount on File
Prior Sale	Nov 22, 2023 · Amount on File
Deed Document Number	20262879743
Last Transfer Date	Jul 22, 2026
Transfer Doc	0002890389
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 22, 2026
Property Address	519 JOY DR, O FALLON, IL 62269-2416
Document Number	0002890389
Instrument Date	Jul 22, 2026
Instrument	20262890389
Transaction Type	Transfer
Record Updated	Aug 6, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	519 JOY DR, O FALLON, IL 62269-2416

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	519 JOY DR, O FALLON, IL 62269-2416
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTION INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02787956
Date	Aug 1, 2023
Instrument	A02787956

Lender

Name	CARROLLTON BANK
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	11 Months
Due	Jul 21, 2024

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	519 JOY DR, O FALLON, IL 62269-2416
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 JOY DR, O FALLON, IL 62269-2416

Mortgage

Document Number	0A02827026
Date	Oct 1, 2024
Instrument	A02827026

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.12%
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 7, 2026
Property Address	519 JOY DR, O FALLON, IL 62269-2416
Document Number	0002879743
Instrument Date	Mar 30, 2026
Instrument	20262879743
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	TOWN AND COUNTRY TITLE GUARANTY, TOWN & COUNTRY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,284.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 JOY DR, O FALLON, IL 62269-2416

Mortgage

Date	Apr 7, 2026

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 22, 2023
Property Address	519 JOY DR, O FALLON, IL 62269-2416
Document Number	0A02798705
Map Reference	MB 48 PG 44&45
Instrument Date	Nov 8, 2023
Instrument	A02798705
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	519 JOY DR, O FALLON, IL 62269-2416

Mortgage

Document Number	0A02798706
Date	Nov 22, 2023
Instrument	A02798706

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.87%

Tax Assessment & Valuation

The 2025 property tax bill for 519 Joy Dr was $3,157 with a homeowner's exemption, up 9.8% 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	$3,157.00 (+9.85%) Homeowner's exemption	$49,799 (+9.62%) Land $9,241 Building $40,558	$149,397 (+9.62%) Land $27,723 Building $121,674
2024	$2,874.00	$45,429 Land $8,430 Building $36,999	$136,287 Land $25,290 Building $110,997
2022		$37,069 Land $6,879 Building $30,190	$111,207 Land $20,637 Building $90,570

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 519 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 519 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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