705 Thoreau Dr, O Fallon, IL 62269 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,724 sqft · built 2012
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Jun 2019)
Tax Bill	$8,752 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2020 Mortgage + 1 more
APN	`03-14-0-202-006`

Property Details

APN / Parcel Number

Primary APN	`03-14-0-202-006`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,724 sqft Living Area
Upper Floors Area	18 sqft
Basement Area	1,724 sqft
Unfinished Basement	1,724 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Mixed
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	705 THOREAU DR
City	O FALLON
State	IL
Zip	62269-7007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR CREEK PHASE 5 LOT 235 A02615137
Legal Subdivision	WINDSOR CREEK
Legal Phase	5
Legal Block	202
Legal Lot Number	235
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3029
Census Tract	503404

Owner

705 Thoreau Dr is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	705 THOREAU DR, O FALLON, IL 62269-7007
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC
Apr 8, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS/CO
Jun 5, 2019	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2019 · Amount on File
Deed Sale	Jun 5, 2019 · Amount on File
Prior Sale	Aug 9, 2013 · Amount on File
Deed Document Number	20192615137
Prior Transfer Date	Jul 25, 2012
Prior Transfer Doc	00A2324024
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	705 THOREAU DR, O FALLON, IL 62269-7007
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02732676
Date	Jan 7, 2022
Instrument	A02732676

Lender

Name	LOANUNITED.COM LLC
Type	Mortgage Company
Address	NORCROSS, GA 30093

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	705 THOREAU DR, O FALLON, IL 62269-7007
Document Number	00A2657037
Instrument Date	Apr 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 THOREAU DR O FALLON IL 622697007, O FALLON, IL 62269-7007

Mortgage

Document Number	00A2657037
Date	Jul 6, 2020
Instrument	2657037

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 5, 2019
Property Address	705 THOREAU DR, O FALLON, IL 62269-7007
Document Number	00A2615137
Instrument Date	May 24, 2019
Instrument	2615137
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	PROFESSIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$434.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 THOREAU DR O FALLON IL 622697007, O FALLON, IL 62269-7007

Mortgage

Document Number	A2615138
Date	Jun 5, 2019
Instrument	2615138

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 4, 2049

Interest

Rate	3.99%

Tax Assessment & Valuation

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

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	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$141,702 (+10.11%) Land $22,181 Building $119,521	$425,106 (+10.11%) Land $66,543 Building $358,563
2024	$8,752.00	$128,691 Land $20,144 Building $108,547	$386,073 Land $60,432 Building $325,641
2022		$102,118 Land $17,468 Building $84,650	$306,354 Land $52,404 Building $253,950

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 Thoreau Dr; there have been 1 flood claim nearby since 2022.

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	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storm And Flooding

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

The area around 705 Thoreau Dr 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	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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000

May also be available: Wisper ISP.

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