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1246 Ruppel Ln, O Fallon, IL 62269 Property Records

St. Clair County property record for 1246 Ruppel Ln, O Fallon, IL 62269

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,172 sqft · built 1998
Lot Size0.37 acres (16,117 sqft)
Owner2 Individual Names on File
Last Sale$415,000 (Nov 2024)
Tax Bill$8,584 (2025)
Deeds & MortgagesDec 2020 Construction Loan
Jan 2017 Mortgage
APN04-19-0-207-067

Property Details

APN / Parcel Number

Primary APN04-19-0-207-067

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,172 sqft Living Area
Basement Area2,172 sqft
Finished Basement1,100 sqft
Unfinished Basement1,072 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 2002
Exterior MaterialCombination
Construction TypeFrame
Lot Area16,117 sqft (0.37 acres)
Garage Area529 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area192 sqft
Deck Area168 sqft
Patio Area168 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address1246 RUPPEL LN
CityO FALLON
StateIL
Zip62269-7164
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE MANORS AT FAIRWOOD HILLS 5TH ADD LOT/SEC-92 A02831976
Legal SubdivisionTHE MANORS AT FAIRWOOD HILLS 5TH ADD
Legal Block207
Legal Lot Number92
JurisdictionST CLAIR IL
Township / Civil DivisionO'FALLON
Census Block Group2
Census Block2000
Census Tract504355

Owner

1246 Ruppel Ln is owned and occupied by two individuals who bought it in November 2024.

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

Owner of Record2 Individual Names on File
Mailing Address1246 RUPPEL LN, O FALLON, IL 62269-7164
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Dec 7, 2020Deed of Trust, Construction Loan · Construction Mortgage
FIRST NAT'L BK/WATERLOO
Jan 20, 2017Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 20, 2024 · Amount on File
Deed SaleNov 20, 2024 · Amount on File
Prior SaleJun 20, 2011 · Amount on File
Deed Document Number20242831976
Record UpdatedOct 29, 2026

December 2020: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionST CLAIR IL
Recording DateDec 7, 2020
Property Address1246 RUPPEL LN, O FALLON, IL 62269-7164
Document Number00A2678567
Instrument DateNov 30, 2020
Instrument2678567
Transaction TypeConstruction Loan
Record UpdatedJan 19, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1246 RUPPEL LN O FALLON IL 622697164, O FALLON, IL 62269-7164

Mortgage

Document Number00A2678567
DateDec 7, 2020
Instrument2678567
Lender
NameFIRST NAT'L BK/WATERLOO
TypeBank
AddressO FALLON, IL 62269
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term180 Months
DueDec 6, 2035

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CLAIR IL
Property Address1246 RUPPEL LN, O FALLON, IL 62269-7164
Document Number00A2525047
Instrument DateJan 20, 2017
Transaction TypeMortgage
Record UpdatedAug 18, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1246 RUPPEL LN O FALLON IL 622697164, O FALLON, IL 62269-7164

Mortgage

Document Number00A2525047
DateJan 27, 2017
Instrument2525047
Lender
NameWELLS FARGO BK
TypeBank
AddressSIOUX FALLS
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueJan 26, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 1246 Ruppel Ln was $8,584.

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

Property Jurisdictions

TypeName
StateIllinois
CountySt. Clair County
County SubdivisionO'Fallon Township
MunicipalityO'Fallon City
Elementary School DistrictO'Fallon Community Consolidated School District 90 (PK - 08)
Secondary School DistrictO'Fallon Township High School District 203 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,584.00$119,094 Land $24,442 Building $94,652$357,282 Land $73,326 Building $283,956
2022$88,652 Land $18,196 Building $70,456$265,956 Land $54,588 Building $211,368

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 1246 Ruppel Ln; 5 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 ZoneNot on file
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies5 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

Wildfire risk around 1246 Ruppel Ln 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemO FALLON
serves 46,603 people · EPA ID IL1631100
Water SourcePurchased surface water from IL AMERICAN-EAST ST LOUIS
Last State InspectionNov 2023
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 281 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Wisper ISP
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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