712 Lunch Rd, Smithton, IL 62285 Property Records

St. Clair County property record for 712 Lunch Rd, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,196 sqft · built 1980
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,000 (Sep 2025)
Tax Bill	$5,842 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2025 Sale & Mortgage + 3 more
APN	`13-28-0-309-008`

Property Details

APN / Parcel Number

Primary APN	`13-28-0-309-008`

Interior

Full Baths	3 Baths
Building Area	1,196 sqft Living Area
Upper Floors Area	85 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Mixed
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	98 sqft
Deck Area	110 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	712 LUNCH RD
City	SMITHTON
State	IL
Zip	62285-2544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET TERRACE 3RD ADDITION LOT/SEC-85 A02860249
Legal Subdivision	SUNSET TERRACE 3RD ADDITION
Legal Block	309
Legal Lot Number	85
Jurisdiction	ST CLAIR IL
Township / Civil Division	SMITHTON
Census Block Group	3
Census Block	3004
Census Tract	503906

Owner

Source: St. Clair County records, as of September 21, 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	712 LUNCH RD, SMITHTON, IL 62285-2544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Sep 12, 2025	Warranty Deed, Transfer · Conventional Mortgage REVITY CU
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS MTG
Apr 27, 2019	Deed of Trust, Mortgage · Line of Credit REGIONS BK
Feb 15, 2019	Deed of Trust, Mortgage · FHA Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Aug 1, 2003 · Amount on Record
Deed Document Number	20252860249
Prior Transfer Date	Jul 27, 2015
Prior Transfer Doc	00A2466070
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	712 LUNCH RD, SMITHTON, IL 62285-2544
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 LUNCH RD, SMITHTON, IL 62285-2544

Mortgage

Document Number	0A02756593
Date	Aug 18, 2022
Instrument	A02756593

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 12, 2025
Property Address	712 LUNCH RD, SMITHTON, IL 62285-2544
Document Number	0A02860249
Map Reference	MB 70 PG 100
Instrument Date	Sep 10, 2025
Instrument	A02860249
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	MODOC COUNTY TITLE COMPANY, MONROE COUNTY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$274.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	712 LUNCH RD, SMITHTON, IL 62285-2544

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	712 LUNCH RD, SMITHTON, IL 62285-2544

Mortgage

Document Number	0A02860250
Date	Sep 12, 2025
Instrument	A02860250

Lender

Name	REVITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.37%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	712 LUNCH RD, SMITHTON, IL 62285-2544
Document Number	00A2655617
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 LUNCH RD SMITHTON IL 622852544, SMITHTON, IL 62285-2544

Mortgage

Document Number	00A2655617
Date	Jun 24, 2020
Instrument	2655617

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 23, 2035

Interest

Rate Type	Fixed Rate
Rate	3.12%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	712 LUNCH RD, SMITHTON, IL 62285-2544
Document Number	00A2612456
Instrument Date	Apr 27, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 LUNCH RD SMITHTON IL 622852544, SMITHTON, IL 62285-2544

Mortgage

Document Number	00A2612456
Date	May 10, 2019
Instrument	2612456

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 9, 2034

Interest

Rate Type	Adjustable Rate
Rate	4.75%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	712 LUNCH RD, SMITHTON, IL 62285-2544
Document Number	00A2604679
Instrument Date	Feb 15, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 LUNCH RD SMITHTON IL 622852544, SMITHTON, IL 62285-2544

Mortgage

Document Number	00A2604679
Date	Feb 22, 2019
Instrument	2604679

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2049

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	Smithton Township
Municipality	Smithton Village
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,842.00 (+7.69%) Homeowner's exemption	$78,191 (+8.76%) Land $9,740 Building $68,451	$234,573 (+8.76%) Land $29,220 Building $205,353
2024	$5,425.00 (+24.57%) Homeowner's exemption	$71,895 (+17.23%) Land $9,842 Building $62,053	$215,685 (+17.23%) Land $29,526 Building $186,159
2022		$61,328 Land $8,396 Building $52,932	$183,984 Land $25,188 Building $158,796
2019	$4,355.00

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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	SMITHTON serves 4,381 people · EPA ID IL1631300
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon, Wisper ISP.

Nearby Properties on Lunch Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures