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

St. Clair County property record for 809 N Smiley St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,160 sqft · built 1977
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$163,000 (Mar 2013)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2022 Mortgage + 4 more
APN	`04-20-0-308-020`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-308-020`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,160 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1988
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Mixed
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	900 sqft
Canopy	48 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	809 N SMILEY ST
City	O FALLON
State	IL
Zip	62269-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWOOD EAST 15TH ADDITION LOT/SEC-317 DOC A02359092
Legal Subdivision	TH ADDITION
Legal Block	308
Legal Lot Number	317
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2006
Census Tract	504351

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	Individual Name on Record
Mailing Address	809 N SMILEY ST, O FALLON, IL 62269-1229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Nov 7, 2022	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
May 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Nov 4, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Feb 22, 2019	Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2013 · Amount on Record
Deed Sale	Mar 18, 2013 · Amount on Record
Prior Sale	Aug 3, 2012
Deed Document Number	20132359092
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	809 N SMILEY ST, O FALLON, IL 62269-1229
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 N SMILEY ST, O FALLON, IL 62269-1229

Mortgage

Document Number	0A02868900
Date	Dec 15, 2025
Instrument	A02868900

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.5%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	809 N SMILEY ST, O FALLON, IL 62269-1229
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02765451
Date	Nov 7, 2022
Instrument	A02765451

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.25%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	809 N SMILEY ST, O FALLON, IL 62269-1229
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02699459
Date	May 11, 2021
Instrument	A02699459

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Oct 1, 2050

Interest

Rate	2.25%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	809 N SMILEY ST, O FALLON, IL 62269-1229
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02735588
Date	Feb 4, 2022
Instrument	A02735588

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	809 N SMILEY ST, O FALLON, IL 62269-1229
Document Number	00A2633093
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 N SMILEY ST O FALLON IL 622691229, O FALLON, IL 62269-1229

Mortgage

Document Number	00A2633093
Date	Nov 13, 2019
Instrument	2633093

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	809 N SMILEY ST, O FALLON, IL 62269-1229
Document Number	00A2607176
Instrument Date	Feb 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 N SMILEY ST O FALLON IL 622691229, O FALLON, IL 62269-1229

Mortgage

Document Number	00A2607176
Date	Mar 21, 2019
Instrument	2607176

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2049

Interest

Rate	4.5%

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	Assessed Value	Assessed Market Value
2025	$104,706 (+34.34%) Land $13,777 Building $90,929	$314,118 (+34.34%) Land $41,331 Building $272,787
2022	$77,941 Land $10,256 Building $67,685	$233,823 Land $30,768 Building $203,055

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · 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

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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