910 Terrace Ct, O Fallon, IL 62269 Property Records

St. Clair County property record for 910 Terrace Ct, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,312 sqft · built 1991
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$7,960,500 (Feb 2021)
Tax Bill	$5,109 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jul 2021 Second Mortgage + 3 more
APN	`04-31-0-101-012`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-101-012`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,312 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Mixed
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	910 TERRACE CT
City	O FALLON
State	IL
Zip	62269-3436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST END TERRACE 1STADD LOT/SEC-20 PT LT 20 AS IN A02584717
Legal Subdivision	WEST END TERRACE 1STADD
Legal Block	101
Legal Lot Number	20
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3033
Census Tract	504354

Owner

910 Terrace Ct is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	910 TERRACE CT, O FALLON, IL 62269-3436
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 3, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 1, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDLAND MORTGAGE
Feb 1, 2021	Special Warranty Deed, Transfer · Line of Credit DIETERICH BANK NA
Aug 1, 2018	Warranty Deed, Transfer · FHA Mortgage GOLDEN OAK LNDG
Mar 14, 2018	Loan Modification, Mortgage · Conventional Mortgage FIRST CNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Aug 1, 2018 · Amount on File
Deed Document Number	20212685879
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	910 TERRACE CT, O FALLON, IL 62269-3436
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02761609
Date	Oct 3, 2022
Instrument	A02761609

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	910 TERRACE CT, O FALLON, IL 62269-3436
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FAMS DTO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02706362
Date	Jul 1, 2021
Instrument	A02706362

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 1, 2021
Property Address	910 TERRACE CT, O FALLON, IL 62269-3436
Document Number	0A02685879
Map Reference	MB 91 PG 2
Instrument Date	Jan 29, 2021
Instrument	A02685879
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,940.75
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 W HIGHWAY 50, O FALLON, IL 62269-1900
Investor	Possibly a Property Investor

Mortgage

Document Number	0A02685880
Date	Feb 1, 2021
Instrument	A02685880

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 1, 2018
Property Address	910 TERRACE CT, O FALLON, IL 62269-3436
Document Number	00A2584717
Instrument Date	Jul 31, 2018
Instrument	2584717
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	BENEDICK TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	910 TERRACE CT O FALLON IL 622693436, O FALLON, IL 62269-3436

Mortgage

Document Number	A2584718
Date	Aug 1, 2018
Instrument	2584718

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2048

Interest

Rate	4.5%

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR IL
Property Address	910 TERRACE CT, O FALLON, IL 62269-3436
Document Number	00A2572241
Instrument Date	Mar 14, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4505 OLD COLLINSVILLE RD SWANSEA IL 622262008, SWANSEA, IL 62226-2008

Mortgage

Document Number	00A2572241
Date	Apr 9, 2018
Instrument	2572241

Lender

Name	FIRST CNTY BK
Type	Bank
Address	SWANSEA, IL 62226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 8, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 910 Terrace Ct was $5,109 with a homeowner's exemption, up 9.2% from the year before.

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	$5,109.00 (+9.21%) Homeowner's exemption	$76,351 (+9.62%) Land $13,360 Building $62,991	$229,053 (+9.62%) Land $40,080 Building $188,973
2024	$4,678.00	$69,651 Land $12,188 Building $57,463	$208,953 Land $36,564 Building $172,389
2022		$56,834 Land $9,945 Building $46,889	$170,502 Land $29,835 Building $140,667

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 910 Terrace Ct; there have been 4 flood claims nearby since 1979.

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

FEMA Flood Zone	Not on file
Nearby Flood Claims	4 (1979–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	May 2013 · other causes

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

The area around 910 Terrace Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: ClearWave, Wisper ISP.

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