521 Overbrook Cir, O Fallon, IL 62269 Property Records

St. Clair County property record for 521 Overbrook Cir, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,460 sqft · built 2005
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Sep 2024)
Tax Bill	$12,745 (2025)
Deeds & Mortgages	Jul 2023 Second Mortgage May 2021 Mortgage + 2 more
APN	`04-22-0-302-015`

Property Details

APN / Parcel Number

Primary APN	`04-22-0-302-015`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,460 sqft Living Area
Basement Area	2,460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Frame
Lot Area	23,522 sqft (0.54 acres)
Garage Area	590 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	86 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	521 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-15 A02826704
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

521 Overbrook Cir is owned and occupied by two individuals who bought it in September 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	521 OVERBROOK CIR, O FALLON, IL 62269-4234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARROLLTON BANK
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Nov 20, 2019	Deed of Trust, Mortgage · Conventional with PMI CARROLLTON BK
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2024 · Amount on File
Deed Sale	Sep 26, 2024 · Amount on File
Prior Sale	Mar 23, 2005 · Amount on File
Deed Document Number	20242826704
Prior Transfer Date	Jul 24, 2012
Prior Transfer Doc	0002363775
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	521 OVERBROOK CIR, O FALLON, IL 62269-4234
Transaction Type	Mortgage
Record Updated	Aug 4, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02786618
Date	Jul 17, 2023
Instrument	A02786618

Lender

Name	CARROLLTON BANK
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 5, 2024

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	521 OVERBROOK CIR, O FALLON, IL 62269-4234
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02700726
Date	May 20, 2021
Instrument	A02700726

Lender

Name	CARROLLTON BANK
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	205 Months
Due	Jun 1, 2038

Interest

Rate Type	Fixed Rate
Rate	2.62%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	521 OVERBROOK CIR, O FALLON, IL 62269-4234
Document Number	00A2634622
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 18, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	521 OVERBROOK CIR O FALLON IL 622694234, O FALLON, IL 62269-4234

Mortgage

Document Number	00A2634622
Date	Nov 26, 2019
Instrument	2634622

Lender

Name	CARROLLTON BK
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	521 OVERBROOK CIR, O FALLON, IL 62269-4234
Document Number	00A2574697
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 OVERBROOK CIR O FALLON IL 622694234, O FALLON, IL 62269-4234

Mortgage

Document Number	00A2574697
Date	Apr 30, 2018
Instrument	2574697

Lender

Name	CARROLLTON BK
Type	Bank
Address	O'FALLON, IL 62269

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 521 Overbrook Cir was $12,745.

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	$12,745.00	$176,813 Land $30,663 Building $146,150	$530,439 Land $91,989 Building $438,450
2022		$129,985 Land $22,825 Building $107,160	$389,955 Land $68,475 Building $321,480

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 521 Overbrook Cir; there have been 3 flood claims nearby since 2013.

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 File 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

Wildfire risk around 521 Overbrook Cir is low, with less than a 0.01% annual chance of 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

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