709 Thoreau Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 709 Thoreau Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,816 sqft · built 2014
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,251 (2025)
Deeds & Mortgages	Oct 2026 Transfer Dec 2022 Sale & Mortgage + 2 more
APN	`03-14-0-202-005`

Property Details

APN / Parcel Number

Primary APN	`03-14-0-202-005`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	1,816 sqft Living Area
Upper Floors Area	24 sqft
Basement Area	1,816 sqft
Unfinished Basement	1,816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Mixed
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	370 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	709 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 234 A02767773
Legal Subdivision	WINDSOR CREEK
Legal Phase	5
Legal Block	202
Legal Lot Number	234
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3029
Census Tract	503404

Owner

Source: St. Clair County records, as of October 22, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	709 THOREAU DR, O FALLON, IL 62269-7007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Transfer on Death Deed, Transfer
Dec 5, 2022	Deed, Transfer · Conventional Mortgage CARROLLTON BANK
Oct 4, 2022	Intrafamily Transfer, Transfer ATTORNEY
Dec 28, 2020	Deed of Trust, Construction Loan · Construction Mortgage REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026
Deed Sale	Oct 1, 2026
Prior Sale	Dec 5, 2022 · Amount on Record
Deed Document Number	2026A02897234
Prior Transfer Date	Sep 25, 2026
Prior Transfer Doc	0002897234
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 1, 2026
Property Address	709 THOREAU DR, O FALLON, IL 62269-7007
Document Number	0002897234
Instrument Date	Sep 25, 2026
Instrument	20262897234
Transaction Type	Transfer
Record Updated	Oct 22, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	709 THOREAU DR, O FALLON, IL 62269-7007

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 5, 2022
Property Address	709 THOREAU DR, O FALLON, IL 62269-7007
Document Number	0A02767773
Map Reference	DOC A02281777
Instrument Date	Dec 2, 2022
Instrument	A02767773
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	709 THOREAU DR, O FALLON, IL 62269-7007

Mortgage

Document Number	0A02767774
Date	Dec 5, 2022
Instrument	A02767774

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2028
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	13.5%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Oct 4, 2022
Property Address	709 THOREAU DR, O FALLON, IL 62269-7007
Document Number	0A02762157
Map Reference	DOC A02281777
Instrument Date	Sep 28, 2022
Instrument	A02762157
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	709 THOREAU DR, O FALLON, IL 62269-7007

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Dec 28, 2020
Property Address	709 THOREAU DR, O FALLON, IL 62269-7007
Document Number	00A2681263
Instrument Date	Oct 14, 2020
Instrument	2681263
Transaction Type	Construction Loan
Record Updated	Mar 1, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 THOREAU DR O FALLON IL 622697007, O FALLON, IL 62269-7007

Mortgage

Document Number	00A2681263
Date	Dec 28, 2020
Instrument	2681263

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 27, 2035

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	$10,251.00 (+8.83%)	$145,395 (+10.11%) Land $22,467 Building $122,928	$436,185 (+10.11%) Land $67,401 Building $368,784
2024	$9,419.00	$132,045 (+35.91%) Land $20,404 Building $111,641	$396,135 (+35.91%) Land $61,212 Building $334,923
2022		$97,158 Land $17,694 Building $79,464	$291,474 Land $53,082 Building $238,392

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	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

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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