620 N Main St, Smithton, IL 62285 Property Records

St. Clair County property record for 620 N Main St, Smithton, IL 62285

Property Summary

Property Type	Commercial
Lot Size	1.09 acres (47,480 sqft)
Owner	Company Name on File
Last Sale	$1,437,500 (Sep 2025)
Tax Bill	$29,575 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Mar 2022 Construction Loan + 3 more
APN	`13-28-0-401-046`

Property Details

APN / Parcel Number

Primary APN	`13-28-0-401-046`

Exterior

Lot Area	47,480 sqft (1.09 acres)

Location & Zoning

Street Address	620 N MAIN ST
City	SMITHTON
State	IL
Zip	62285-1520
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	GEORGETOWN PLAZA LOT/SEC-5 A02859882
Legal Subdivision	GEORGETOWN PLAZA
Legal Block	401
Jurisdiction	ST CLAIR IL
Township / Civil Division	SMITHTON
Census Block Group	3
Census Block	3022
Census Tract	503906

Owner

620 N Main St, a commercial property, is owned by a company that bought it in September 2025.

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

Owner of Record	Company Name on File
Mailing Address	620 N MAIN ST, SMITHTON, IL 62285-1520
Owner Type	Company

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
Sep 9, 2025	Special Warranty Deed, Transfer · Non-Conforming Investor Loan FCB BANKS
Mar 29, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF WATERLOO
Aug 10, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF WATERLOO
Jun 3, 2021	Quit Claim Deed, Transfer · Construction Mortgage FIRST NATIONAL BANK OF WATERLOO
Jun 22, 2020	Warranty Deed, Transfer · Line of Credit STATE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2025 · Amount on File
Deed Sale	Sep 9, 2025 · Amount on File
Prior Sale	Aug 15, 2024
Deed Document Number	20252859882
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	0002702392
Record Updated	Oct 29, 2026

September 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 9, 2025
Property Address	620 N MAIN ST, SMITHTON, IL 62285-1520
Document Number	0A02859882
Map Reference	MB 87 PG 92
Instrument Date	Sep 8, 2025
Instrument	A02859882
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,437.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 S MAIN ST, WATERLOO, IL 62298-1324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 W MADISON AVE, COLLINSVILLE, IL 62234-3338

Mortgage

Document Number	0A02859883
Date	Sep 9, 2025
Instrument	A02859883

Lender

Name	FCB BANKS
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record

Interest

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	620 N MAIN ST, SMITHTON, IL 62285-1520
Transaction Type	Mortgage
Record Updated	Aug 24, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02741147
Date	Mar 29, 2022
Instrument	A02741147

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	SMITHTON, IL 62285

Agreement

Type	Construction Mortgage
Amount	Amount on Record

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	620 N MAIN ST, SMITHTON, IL 62285-1520
Transaction Type	Mortgage
Record Updated	Aug 24, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02755854
Date	Aug 10, 2022
Instrument	A02755854

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	SMITHTON, IL 62285

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 3, 2021
Property Address	620 N MAIN ST, SMITHTON, IL 62285-1520
Document Number	0A02702392
Map Reference	MB 87 PG 92
Instrument Date	May 25, 2021
Instrument	A02702392
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 HAUDRICH RD, WATERLOO, IL 62298-4435

Mortgage

Document Number	0A02702393
Date	Jun 3, 2021
Instrument	A02702393

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 22, 2020
Property Address	620 N MAIN ST, SMITHTON, IL 62285-1520
Document Number	00A2655214
Instrument Date	Jun 18, 2020
Instrument	2655214
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4109 HAUDRICH RD WATERLOO IL 622984435, WATERLOO, IL 62298-4435

Mortgage

Document Number	A2655215
Date	Jun 22, 2020
Instrument	2655215

Lender

Name	STATE BK
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 21, 2035

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 620 N Main St was $29,575, up 4% 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	Smithton Township
Municipality	Smithton Village
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$29,575.00 (+4.05%)	$365,440 (+5.86%) Land $32,999 Building $332,441	$1,096,320 (+5.86%) Land $98,997 Building $997,323
2024	$28,424.00	$345,224 Land $33,349 Building $311,875	$1,035,672 Land $100,047 Building $935,625
2022		$97,689 Land $28,447 Building $69,242	$293,067 Land $85,341 Building $207,726
2019	$2,315.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 620 N Main St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 620 N Main St 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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