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705 Saint Nicholas Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 705 Saint Nicholas Dr, O Fallon, IL 62269

Property Summary

Property TypeSingle Family Home
Details4 ba · 2,437 sqft · built 1996
Lot Size0.38 acres (16,553 sqft)
Owner2 Individual Names on File
Last Sale$249,000 (Oct 2017)
Deeds & MortgagesApr 2020 Mortgage
Oct 2017 Sale & Mortgage
APN04-20-0-409-004

Property Details

APN / Parcel Number

Primary APN04-20-0-409-004

Interior

Full Baths4 Baths
Stories1 Story
Building Area2,437 sqft Living Area
Upper Floors Area36 sqft
Basement Area2,437 sqft
Finished Basement2,300 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1997
Exterior MaterialCombination
Construction TypeFrame
Lot Area16,553 sqft (0.38 acres)
Lot Dimensions1 ft deep x 1 ft wide
Garage TypeMixed
Garage Area506 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area340 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address705 SAINT NICHOLAS DR
CityO FALLON
StateIL
Zip62269-3126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCEDAR MEADOWS 3RD ADD LOT/SEC-95 A02554410
Legal SubdivisionCEDAR MEADOWS 3RD ADD
Legal Block409
Legal Lot Number95
JurisdictionST CLAIR IL
Township / Civil DivisionO'FALLON
Census Block Group1
Census Block1031
Census Tract504351

Owner

705 Saint Nicholas Dr is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record2 Individual Names on File
Mailing Address705 SAINT NICHOLAS DR, O FALLON, IL 62269-3126
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 17, 2020Deed of Trust, Mortgage · VA Mortgage
HOME LOAN EXPERT LLC
Oct 6, 2017Warranty Deed, Transfer · VA Mortgage
USAA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 6, 2017 · Amount on File
Deed SaleOct 6, 2017 · Amount on File
Deed Document Number20172554410
Prior Transfer DateApr 10, 2015
Prior Transfer Doc0002449268
Record UpdatedOct 29, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CLAIR IL
Property Address705 SAINT NICHOLAS DR, O FALLON, IL 62269-3126
Document Number00A2648904
Instrument DateApr 17, 2020
Transaction TypeMortgage
Record UpdatedMay 15, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address705 SAINT NICHOLAS DR O FALLON IL 622693126, O FALLON, IL 62269-3126

Mortgage

Document Number00A2648904
DateApr 22, 2020
Instrument2648904
Lender
NameHOME LOAN EXPERT LLC
AddressSAINT LOUIS, MO 63144
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 21, 2050
Interest
Rate TypeFixed Rate
Rate3.25%

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CLAIR IL
Recording DateOct 6, 2017
Property Address705 SAINT NICHOLAS DR, O FALLON, IL 62269-3126
Document Number00A2554410
Instrument DateOct 4, 2017
Instrument2554410
Transaction TypeTransfer
Record UpdatedDec 5, 2017
Title CompanyCOMMUNITY TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$373.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address13655 DELLWOOD RD VICTORVILLE CA 923921283, VICTORVILLE, CA 92392-1283

Mortgage

Document NumberA2554411
DateOct 6, 2017
Instrument2554411
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueOct 5, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountySt. Clair County
County SubdivisionO'Fallon Township
MunicipalityO'Fallon City
Elementary School DistrictO'Fallon Community Consolidated School District 90 (PK - 08)
Secondary School DistrictO'Fallon Township High School District 203 (09 - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2025$137,730 Land $27,497 Building $110,233$413,190 Land $82,491 Building $330,699
2022$102,523 Land $20,468 Building $82,055$307,569 Land $61,404 Building $246,165

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 705 Saint Nicholas Dr; 7 flood insurance policies are in force nearby.

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

FEMA Flood ZoneNot on file
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies7 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

Wildfire risk around 705 Saint Nicholas 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemO FALLON
serves 46,603 people · EPA ID IL1631100
Water SourcePurchased surface water from IL AMERICAN-EAST ST LOUIS
Last State InspectionNov 2023
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 279 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
Wisper ISP
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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