1111 Rutherford Rdg, O Fallon, IL 62269 Property Records

St. Clair County property record for 1111 Rutherford Rdg, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,373 sqft · built 2000
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on File
Last Sale	$397,000 (Jun 2013)
Tax Bill	$21,070 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2023 Line of Credit + 1 more
APN	`04-08-0-301-010`

Property Details

APN / Parcel Number

Primary APN	`04-08-0-301-010`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	3,373 sqft Living Area
Basement Area	2,797 sqft
Unfinished Basement	2,869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	48,787 sqft (1.12 acres)
Lot Dimensions	1 ft deep x 1 ft wide
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	348 sqft
Deck Area	352 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1111 RUTHERFORD RDG
City	O FALLON
State	IL
Zip	62269-7012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEEPLECHASE LOT/SEC-6 A02374208
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

1111 Rutherford Rdg is owned and occupied by two individuals who bought it in June 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	1111 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
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Jan 5, 2023	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2013 · Amount on File
Deed Sale	Jun 26, 2013 · Amount on File
Deed Document Number	20132374208
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1111 RUTHERFORD RDG, O FALLON, IL 62269-7012
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02861164
Date	Sep 24, 2025
Instrument	A02861164

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1111 RUTHERFORD RDG, O FALLON, IL 62269-7012
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02770273
Date	Jan 5, 2023
Instrument	A02770273

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 4, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1111 RUTHERFORD RDG, O FALLON, IL 62269-7012
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	ASIARCED TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02724093
Date	Nov 2, 2021
Instrument	A02724093

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1111 Rutherford Rdg was $21,070 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	$21,070.00	$298,308 Land $32,741 Building $265,567	$894,924 Land $98,223 Building $796,701
2022		$222,053 Land $24,372 Building $197,681	$666,159 Land $73,116 Building $593,043

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 1111 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 1111 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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