710 N Smiley St, O Fallon, IL 62269 Property Records

St. Clair County property record for 710 N Smiley St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	1,192 sqft · built 1972
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Dec 2025)
Tax Bill	$4,115 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2025 Sale & Mortgage + 2 more
APN	`04-29-0-113-008`

Property Details

APN / Parcel Number

Primary APN	`04-29-0-113-008`

Interior

Stories	1 Story
Building Area	1,192 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Mixed
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	710 N SMILEY ST
City	O FALLON
State	IL
Zip	62269-1340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWOOD EAST 6TH ADD LOT/SEC-111 A02722310
Legal Subdivision	FAIRWOOD EAST 6TH ADD
Legal Lot Number	111
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1018
Census Tract	504351

Owner

Source: St. Clair County records, as of January 12, 2026

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	710 N SMILEY ST, O FALLON, IL 62269-1340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
Dec 26, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 19, 2021	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Aug 5, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2025 · Amount on Record
Deed Sale	Dec 26, 2025 · Amount on Record
Prior Sale	Oct 19, 2021 · Amount on Record
Deed Document Number	A02869939
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Aug 4, 2026
Property Address	710 N SMILEY ST, O FALLON, IL 62269-1340
Document Number	0002891549
Instrument Date	Jul 23, 2026
Instrument	20262891549
Transaction Type	Mortgage
Record Updated	Aug 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 N SMILEY ST, O FALLON, IL 62269-1340

Mortgage

Document Number	0002891549,
Date	Aug 4, 2026
Instrument	20262891549

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 26, 2025
Property Address	710 N SMILEY ST, O FALLON, IL 62269-1340
Document Number	0A02869939
Map Reference	PL 59 PG 63
Instrument Date	Dec 23, 2025
Instrument	A02869939
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 N SMILEY ST, O FALLON, IL 62269-1340

Mortgage

Document Number	0A02869940
Date	Dec 26, 2025
Instrument	A02869940

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	5.87%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 19, 2021
Property Address	710 N SMILEY ST, O FALLON, IL 62269-1340
Document Number	0A02722310
Map Reference	PL 59 PG 63
Instrument Date	Oct 18, 2021
Instrument	A02722310
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4421 REVEILLE RD, COLLEGE STATION, TX 77845-6332

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	710 N SMLLEY ST, NEW MEMPHIS, IL 62266

Mortgage

Document Number	0A02722311
Date	Oct 19, 2021
Instrument	A02722311

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 5, 2021
Property Address	710 N SMILEY ST, O FALLON, IL 62269-1340
Document Number	0A02711186
Map Reference	MB 59 PG 63
Instrument Date	Aug 4, 2021
Instrument	A02711186
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 NORTH SMILEY STREET, 62209

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2024

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	Tax Bill	Assessed Value	Assessed Market Value
2024	$4,115.00	$56,452 (+22.55%) Land $11,937 Building $44,515	$169,356 (+22.55%) Land $35,811 Building $133,545
2022		$46,064 Land $9,741 Building $36,323	$138,192 Land $29,223 Building $108,969

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

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

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

May also be available: ClearWave, i3 Broadband, Verizon, Wisper ISP.

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