704 Irongate Ct, O Fallon, IL 62269 Property Records

St. Clair County property record for 704 Irongate Ct, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$443,000 (Apr 2021)
Deeds & Mortgages	Apr 2021 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
APN	`03-23-0-113-012`

Property Details

APN / Parcel Number

Primary APN	`03-23-0-113-012`

Exterior

Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	704 IRONGATE CT
City	O FALLON
State	IL
Zip	62269-7443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAVANNNAH HILLS 3RD ADD LOT 256 A02649908
Legal Subdivision	HILLS
Legal Lot Number	256
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	2
Census Block	2013
Census Tract	503404

Owner

Source: St. Clair County records, as of August 23, 2023

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

Owner of Record	Individual Name on Record
Mailing Address	704 IRONGATE CT, O FALLON, IL 62269-7443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC
May 4, 2020	Warranty Deed, Subdivision Related Transfer · Conventional with PMI GUILD MTG
Apr 29, 2019	Grant Deed, Construction Loan · Line of Credit FCB BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2021 · Amount on Record
Deed Sale	Apr 7, 2021 · Amount on Record
Prior Sale	May 4, 2020 · Amount on Record
Deed Document Number	A02694789
Record Updated	Jun 7, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 7, 2021
Property Address	704 IRONGATE CT, O FALLON, IL 62269-7443
Document Number	0A02694789
Map Reference	DOC A025317854
Instrument Date	Apr 6, 2021
Instrument	A02694789
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$664.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 IRONGATE CT, O FALLON, IL 62269-7443

Mortgage

Document Number	0A02694790
Date	Apr 7, 2021
Instrument	A02694790

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.12%

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 4, 2020
Property Address	704 IRONGATE CT, O FALLON, IL 62269-7443
Document Number	00A2649908
Instrument Date	Apr 30, 2020
Instrument	2649908
Transaction Type	Subdivision Related Transfer
Record Updated	May 29, 2020
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$664.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	704 IRONGATE CT O FALLON IL 622697443, O FALLON, IL 62269-7443

Mortgage

Document Number	A2649909
Date	May 4, 2020
Instrument	2649909

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

Interest

Rate	3.12%

April 2019: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 29, 2019
Property Address	704 IRONGATE CT, O FALLON, IL 62269-7443
Document Number	00A2611281
Instrument Date	Apr 24, 2019
Instrument	2611281
Transaction Type	Construction Loan
Record Updated	Jan 8, 2020
Title Company	FIRST AMERICAN

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 1116 O FALLON IL 622698116, O FALLON, IL 62269-8116

Mortgage

Document Number	A2611282
Date	Apr 29, 2019
Instrument	2611282

Lender

Name	FCB BK
Type	Bank
Address	SWANSEA, IL 62226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	A2611285,
Date	Apr 29, 2019
Instrument	2611285

Lender

Name	FCB BK
Type	Bank
Address	SWANSEA, IL 62226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Caseyville 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	$118,341 Land $18,832 Building $99,509	$355,023 Land $56,496 Building $298,527

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (1979–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2023 · rainfall accumulation

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	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.

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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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