809 Deer Creek Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 809 Deer Creek Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,008 sqft · built 1993
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Apr 2026)
Tax Bill	$2,853 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2026 Sale & Mortgage + 2 more
APN	`04-20-0-207-018`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-207-018`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,008 sqft Living Area
Basement Area	1,523 sqft
Finished Basement	145 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Patio Area	320 sqft
Canopy	35 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	809 DEER CREEK RD
City	O FALLON
State	IL
Zip	62269-4207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEER CREEK 2ND ADD LOT/SEC-32 A02647356
Legal Subdivision	DEER CREEK
Legal Block	207
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2037
Census Tract	504353

Owner

809 Deer Creek Rd is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	809 DEER CREEK RD, O FALLON, IL 62269-4207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage UPEQUITY SPV2 LLC
Apr 1, 2026	Warranty Deed, Transfer · VA Mortgage ENDEAVOR CAPITAL
Apr 3, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jul 5, 2017	Warranty Deed, Transfer · VA Mortgage MCS MTG BANKERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Apr 3, 2020 · Amount on File
Deed Document Number	20262879251
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	809 DEER CREEK RD, O FALLON, IL 62269-4207
Transaction Type	Mortgage
Record Updated	Apr 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02861777
Date	Sep 30, 2025
Instrument	A02861777

Lender

Name	UPEQUITY SPV2 LLC
Type	Mortgage Company
Address	AUSTIN, TX 78703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	3 Months
Due	Dec 23, 2025

Interest

Rate Type	Fixed Rate

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 1, 2026
Property Address	809 DEER CREEK RD, O FALLON, IL 62269-4207
Document Number	0A02879251
Instrument Date	Mar 31, 2026
Instrument	20262879251
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	TOWN AND COUNTRY TITLE GUARANTY, TOWN & COUNTRY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50,752.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	809 DEER CREEK RD, O FALLON, IL 62269-4207

Mortgage

Date	Apr 1, 2026

Lender

Name	ENDEAVOR CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 3, 2020
Property Address	809 DEER CREEK RD, O FALLON, IL 62269-4207
Document Number	00A2647356
Instrument Date	Mar 11, 2020
Instrument	2647356
Transaction Type	Transfer
Record Updated	May 22, 2020
Title Company	FIRST AMERICAN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1211 GILMORE DR #B KEY WEST FL 330406711, B, KEY WEST, FL 33040-6711

Mortgage

Document Number	A2647358
Date	Apr 3, 2020
Instrument	2647358

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 5, 2017
Property Address	809 DEER CREEK RD, O FALLON, IL 62269-4207
Document Number	00A2542327
Instrument Date	Jun 14, 2017
Instrument	2542327
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	92-366 PALAULAU PL KAPOLEI HI 967072810, KAPOLEI, HI 96707-2810

Mortgage

Document Number	A2542328
Date	Jul 5, 2017
Instrument	2542328

Lender

Name	MCS MTG BANKERS
Type	Mortgage Company
Address	PATCHOGUE, NY 11772

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 4, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	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
2025	Homeowner's exemption	$118,782 (+9.62%) Land $22,946 Building $95,836	$356,346 (+9.62%) Land $68,838 Building $287,508
2024	$2,853.00	$108,358 Land $20,932 Building $87,426	$325,074 Land $62,796 Building $262,278
2022		$88,419 Land $17,080 Building $71,339	$265,257 Land $51,240 Building $214,017

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 809 Deer Creek Rd; there have been 2 flood claims nearby since 2018.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018–2023)
Most Recent Claim	Jul 2023 · rainfall accumulation

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 809 Deer Creek Rd 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 Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Wisper ISP Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Deer Creek Rd

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