1205 Pepperidge Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 1205 Pepperidge Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,240 sqft · built 2000
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Dec 2020)
Tax Bill	$9,878 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Nov 2022 Second Mortgage + 3 more
APN	`04-29-0-406-080`

Property Details

APN / Parcel Number

Primary APN	`04-29-0-406-080`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,240 sqft Living Area
Upper Floors Area	96 sqft
Basement Area	1,560 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Frame
Lot Area	22,216 sqft (0.51 acres)
Garage Area	998 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	224 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1205 PEPPERIDGE DR
City	O FALLON
State	IL
Zip	62269-3042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD ESTATES 2NDADD LOT/SEC-74 A02765093
Legal Subdivision	LAKEWOOD ESTATES
Legal Block	406
Legal Lot Number	74
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3010
Census Tract	504352

Owner

1205 Pepperidge Dr is owned and occupied by an individual who acquired it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042
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
Dec 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage UNITED STATES SMALL BUSINESS ADMIN
Nov 2, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage TOGETHER CU
Dec 9, 2020	Warranty Deed, Transfer · Conventional with PMI MIDWEST BANKCENTRE
Jul 29, 2020	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
Jun 26, 2018	Deed of Trust, Mortgage · VA Mortgage FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2020 · Amount on File
Deed Sale	Dec 9, 2020 · Amount on File
Prior Sale	May 30, 2000 · Amount on File
Deed Document Number	20202678925
Last Transfer Date	Oct 20, 2022
Transfer Doc	0002765093
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042

Mortgage

Document Number	0A02768467
Date	Dec 13, 2022
Instrument	A02768467

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 28, 2052

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Nov 2, 2022
Property Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042
Document Number	0A02765093
Map Reference	MB 85 PG 15
Instrument Date	Oct 20, 2022
Instrument	A02765093
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042

Mortgage

Document Number	0A02765094
Date	Nov 2, 2022
Instrument	A02765094

Lender

Name	TOGETHER CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Oct 25, 2032

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 9, 2020
Property Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042
Document Number	00A2678925
Instrument Date	Dec 4, 2020
Instrument	2678925
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 JOSEPH DR FAIRVIEW HEIGHTS IL 622083618, FAIRVIEW HEIGHTS, IL 62208-3618

Mortgage

Document Number	A2678927
Date	Dec 9, 2020
Instrument	2678927

Lender

Name	MIDWEST BANKCENTRE
Type	Bank
Address	SAINT LOUIS, MO 63125

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042
Document Number	00A2664025
Instrument Date	Jul 29, 2020
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 PEPPERIDGE DR O FALLON IL 622693042, O FALLON, IL 62269-3042

Mortgage

Document Number	00A2664025
Date	Aug 26, 2020
Instrument	2664025

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1205 PEPPERIDGE DR, O FALLON, IL 62269-3042
Document Number	00A2582173
Instrument Date	Jun 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	FINANCIAL DIMENSIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1205 PEPPERIDGE DR O FALLON IL 622693042, O FALLON, IL 62269-3042

Mortgage

Document Number	00A2582173
Date	Jul 11, 2018
Instrument	2582173

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 10, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1205 Pepperidge Dr was $9,878 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	$9,878.00	$145,046 Land $20,463 Building $124,583	$435,138 Land $61,389 Building $373,749
2022		$107,969 Land $15,232 Building $92,737	$323,907 Land $45,696 Building $278,211

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 1205 Pepperidge Dr; 4 flood insurance policies are in force nearby.

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	4 in force

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 1205 Pepperidge Dr 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 267 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: ClearWave, Verizon, Wisper ISP.

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