1105 Rutherford Rdg, O Fallon, IL 62269 Property Records

St. Clair County property record for 1105 Rutherford Rdg, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,286 sqft · built 1998
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Jul 2023)
Tax Bill	$13,408 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2021 Mortgage
APN	`04-08-0-301-011`

Property Details

APN / Parcel Number

Primary APN	`04-08-0-301-011`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,286 sqft Living Area
Upper Floors Area	20 sqft
Basement Area	1,286 sqft
Finished Basement	600 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	47,916 sqft (1.1 acres)
Garage Area	661 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	432 sqft
Deck Area	344 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1105 RUTHERFORD RDG
City	O FALLON
State	IL
Zip	62269-7012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEEPLECHASE LOT/SEC-3 DOC A02785530
Legal Subdivision	STEEPLECHASE
Legal Block	301
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2012
Census Tract	504353

Owner

1105 Rutherford Rdg is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1105 RUTHERFORD RDG, O FALLON, IL 62269-7012
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
Jul 3, 2023	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS OF ILLINOIS LLC
Jun 24, 2021	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2023 · Amount on File
Deed Sale	Jul 3, 2023 · Amount on File
Prior Sale	Jun 12, 2013 · Amount on File
Deed Document Number	20232785530
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 3, 2023
Property Address	1105 RUTHERFORD RDG, O FALLON, IL 62269-7012
Document Number	0A02785530
Map Reference	PL 92 PG 74
Instrument Date	Jun 30, 2023
Instrument	A02785530
Transaction Type	Transfer
Record Updated	Jul 26, 2023
Title Company	PINNACLE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 RUTHERFORD RDG, O FALLON, IL 62269-7012

Mortgage

Document Number	0A02785531
Date	Jul 3, 2023
Instrument	A02785531

Lender

Name	MORTGAGE SOLUTIONS OF ILLINOIS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1105 RUTHERFORD RDG, O FALLON, IL 62269-7012
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02705417
Date	Jun 24, 2021
Instrument	A02705417

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1105 Rutherford Rdg was $13,408 with a homeowner's exemption.

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	$13,408.00	$192,010 Land $32,090 Building $159,920	$576,030 Land $96,270 Building $479,760
2022		$142,123 (+15.41%) Land $23,887 Building $118,236	$426,369 (+15.41%) Land $71,661 Building $354,708
2021	$9,300.00 Homeowner's exemption	$123,143 Land $21,786 Building $101,357	$369,429 Land $65,358 Building $304,071

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 1105 Rutherford Rdg; 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 1105 Rutherford Rdg 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	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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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