St. Clair County property record for 5237 White Oak Dr, Smithton, IL 62285
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,254 sqft · built 1994 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Sep 2018) |
| Tax Bill | $9,720 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Aug 2020 Mortgage + 3 more |
| APN | 17-08-0-301-004 |
| Primary APN | 17-08-0-301-004 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,254 sqft Living Area |
| Basement Area | 2,254 sqft |
| Finished Basement | 1,000 sqft |
| Sunroom | Sunroom |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 47,045 sqft (1.08 acres) |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 300 sqft |
| Cooling System | Central |
|---|
| Street Address | 5237 WHITE OAK DR |
|---|---|
| City | SMITHTON |
| State | IL |
| Zip | 62285-3738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILDWOOD LAKE ESTATES 1ST ADDITION LOT/SEC-97 A02589609 |
| Legal Subdivision | WILDWOOD LAKE ADDITION |
| Legal Block | 301 |
| Legal Lot Number | 97 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | PRAIRIE DU LONG |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 504001 |
5237 White Oak Dr is owned and occupied by two individuals who bought it in September 2018.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5237 WHITE OAK DR, SMITHTON, IL 62285-3738 |
| 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.
| Date | Document |
|---|---|
| Sep 20, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WATERLOO |
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/WATERLOO |
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/WATERLOO |
| Sep 7, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST NAT'L BK/WATERLOO |
| Jul 14, 2017 | Grant Deed, Transfer · FHA Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2018 · Amount on File |
| Deed Sale | Sep 7, 2018 · Amount on File |
| Prior Sale | Jul 14, 2017 · Amount on File |
| Deed Document Number | 20182589609 |
| Prior Transfer Date | Mar 24, 2014 |
| Prior Transfer Doc | 0002406775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 5237 WHITE OAK DR, SMITHTON, IL 62285-3738 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A02759796 |
|---|---|
| Date | Sep 20, 2022 |
| Instrument | A02759796 |
| Name | FIRST NATIONAL BANK OF WATERLOO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, IL 62236 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 5237 WHITE OAK DR, SMITHTON, IL 62285-3738 |
| Document Number | 00A2663942 |
| Instrument Date | Aug 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5237 WHITE OAK DR SMITHTON IL 622853738, SMITHTON, IL 62285-3738 |
| Document Number | 00A2663942 |
|---|---|
| Date | Aug 25, 2020 |
| Instrument | 2663942 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | MILLSTADT, IL 62260 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 5237 WHITE OAK DR, SMITHTON, IL 62285-3738 |
| Document Number | 00A2649542 |
| Instrument Date | Apr 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5237 WHITE OAK DR SMITHTON IL 622853738, SMITHTON, IL 62285-3738 |
| Document Number | 00A2649542 |
|---|---|
| Date | Apr 30, 2020 |
| Instrument | 2649542 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | MILLSTADT, IL 62260 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 29, 2035 |
| Rate | 2.37% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 7, 2018 |
| Property Address | 5237 WHITE OAK DR, SMITHTON, IL 62285-3738 |
| Document Number | 00A2589609 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 2589609 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2018 |
| Title Company | COLUMBIA TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5237 WHITE OAK DR SMITHTON IL 622853738, SMITHTON, IL 62285-3738 |
| Document Number | A2589610 |
|---|---|
| Date | Sep 7, 2018 |
| Instrument | 2589610 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | O FALLON, IL 62269 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2048 |
| Rate | 4.5% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Jul 14, 2017 |
| Property Address | 5237 WHITE OAK DR, SMITHTON, IL 62285-3738 |
| Document Number | 00A2543367 |
| Instrument Date | Jul 12, 2017 |
| Instrument | 2543367 |
| Transaction Type | Transfer |
| Record Updated | Nov 2, 2017 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $384.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 444 MICAHS WAY #WAT COLUMBIA IL 622362689, COLUMBIA, IL 62236-2689 |
| Document Number | A2543368 |
|---|---|
| Date | Jul 14, 2017 |
| Instrument | 2543368 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2047 |
| Rate | 3.87% |
|---|
The 2025 property tax bill for 5237 White Oak Dr was $9,720 with a homeowner's exemption.
Source: St. Clair County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | St. Clair County |
| County Subdivision | Prairie Du Long Township |
| Secondary School District | Freeburg Community High School District 77 (09 - 12) |
| Elementary School District | Smithton Community Consolidated School District 130 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,720.00 | $135,249 Land $24,325 Building $110,924 | $405,747 Land $72,975 Building $332,772 |
| 2022 | $105,767 Land $20,636 Building $85,131 | $317,301 Land $61,908 Building $255,393 | |
| 2019 | $7,313.00 |
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.
FEMA has no flood map on file for 5237 White Oak Dr; there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2011 · 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 risk around 5237 White Oak Dr 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 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SMITHTON serves 4,381 people · EPA ID IL1631300 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures