656 Shamrock Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 656 Shamrock Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	1,064 sqft · built 1994
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$334,000 (Dec 2023)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Aug 2021 Mortgage + 1 more
APN	`04-31-0-103-017`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-103-017`

Interior

Stories	2 Stories
Building Area	1,064 sqft Living Area
Gross Area	2,128 sqft
Basement Area	50,000 sqft
Finished Basement	50,000 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,583 sqft (0.219 acres)
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	380 sqft
Deck Area	19,200 sqft
Patio Area	192 sqft
Fence	Fence
Shed	1 Shed
Shed Area	10,000 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	656 SHAMROCK DR
City	O FALLON
State	IL
Zip	62269-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAMBRIDGE COMMONS PHASE 3 LOT/SEC-74 A02759845
Legal Subdivision	CAMBRIDGE COMMONS PHASE 3
Legal Phase	3
Legal Lot Number	74
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2004
Census Tract	504354

Owner

Source: St. Clair County assessment roll, as of January 1, 2022

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	656 SHAMROCK DR, O FALLON, IL 62269-7509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 22, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 12, 2023 · Amount on Record
Deed Sale	Dec 12, 2023 · Amount on Record
Prior Sale	Sep 20, 2022 · Amount on Record
Deed Document Number	A02800292
Record Updated	Jun 7, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 20, 2022
Property Address	656 SHAMROCK DR, O FALLON, IL 62269-7509
Document Number	0A02759845
Map Reference	MB 92 PG 31
Instrument Date	Sep 11, 2022
Instrument	A02759845
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$310.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 SHAMROCK DR, 656, O FALLON, IL 62269-7509

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	656 SHAMROCK DR, O FALLON, IL 62269-7509

Mortgage

Document Number	0A02759846
Date	Sep 20, 2022
Instrument	A02759846

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate	5.62%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	656 SHAMROCK DR, O FALLON, IL 62269-7509
Transaction Type	Mortgage
Record Updated	Aug 26, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02711904
Date	Aug 11, 2021
Instrument	A02711904

Lender

Name	ROCKET MORTGAGE LLC
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Index	10-Year TN

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	656 SHAMROCK DR, O FALLON, IL 62269-7509
Document Number	00A2652383
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	656 SHAMROCK DR O FALLON IL 622697509, O FALLON, IL 62269-7509

Mortgage

Document Number	00A2652383
Date	May 28, 2020
Instrument	2652383

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2022

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	Assessed Value	Assessed Market Value
2022	$78,832 Land $9,014 Building $69,818	$236,496 Land $27,042 Building $209,454

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

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force

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

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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