St. Clair County property record for 1327 Timber Ridge Trace Dr, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,832 sqft · built 2017 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $372,500 (Oct 2018) |
| Deeds & Mortgages | Jun 2026 Mortgage Apr 2026 Mortgage + 5 more |
| APN | 03-13-0-202-009 |
| Primary APN | 03-13-0-202-009 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,832 sqft Living Area |
| Basement Area | 1,832 sqft |
| Finished Basement | 1,832 sqft |
| Unfinished Basement | 1,832 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 23,087 sqft (0.53 acres) |
| Garage Area | 760 sqft |
| Porch | Porch |
| Porch Area | 576 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|
| Street Address | 1327 TIMBER RIDGE TRACE DR |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-7427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RESERVES OF TIMBER RIDGE PHASE 1 LOT 144 A02592686 |
| Legal Subdivision | RESERVES OF TIMBER RIDGE |
| Legal Phase | 1 |
| Legal Block | 202 |
| Legal Lot Number | 144 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | CASEYVILLE |
| Census Block Group | 3 |
| Census Block | 3046 |
| Census Tract | 503404 |
1327 Timber Ridge Trace Dr is owned and occupied by two individuals who bought it in October 2018.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| 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.
| Date | Document |
|---|---|
| Jun 5, 2026 | Deed of Trust, Mortgage · Commercial Mortgage FCB BANK |
| Apr 20, 2026 | Deed of Trust, Mortgage · Commercial Mortgage FCB BANK |
| Nov 27, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG |
| Mar 4, 2020 | Deed of Trust, Mortgage · VA Mortgage CMG FIN'L |
| Jun 10, 2019 | Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BK |
| Oct 9, 2018 | Warranty Deed, Transfer · VA Mortgage CMG FIN'L |
| Apr 18, 2017 | Grant Deed, Subdivision Related Transfer · Conventional with PMI GERSHMAN INV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2018 · Amount on File |
| Deed Sale | Oct 9, 2018 · Amount on File |
| Prior Sale | Apr 18, 2017 · Amount on File |
| Deed Document Number | 20182592686 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Jun 5, 2026 |
| Property Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| Document Number | 0A02885635 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20262885635 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002885635, |
|---|---|
| Date | Jun 5, 2026 |
| Instrument | 20262885635 |
| Name | FCB BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Apr 20, 2026 |
| Property Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| Document Number | 0002880920 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20262880920 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002880920, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 20262880920 |
| Name | FCB BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| Document Number | 00A2679504 |
| Instrument Date | Nov 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1327 TIMBER RIDGE TRACE DR O FALLON IL 622697427, O FALLON, IL 62269-7427 |
| Document Number | 00A2679504 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 2679504 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| Document Number | 00A2644965 |
| Instrument Date | Mar 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1327 TIMBER RIDGE TRACE DR O FALLON IL 622697427, O FALLON, IL 62269-7427 |
| Document Number | 00A2644965 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 2644965 |
| Name | CMG FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN RAMON, CA 94583-1382 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 10, 2050 |
| Rate | 3.12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| Document Number | 00A2616433 |
| Instrument Date | Jun 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2019 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1327 TIMBER RIDGE TRACE DR O FALLON IL 622697427, O FALLON, IL 62269-7427 |
| Document Number | 00A2616433 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 2616433 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2635 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 17, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Oct 9, 2018 |
| Property Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| Document Number | 00A2592686 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 2592686 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2018 |
| Title Company | ADVANCED TITLE SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $558.75 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1327 TIMBER RIDGE TRACE DR O FALLON IL 622697427, O FALLON, IL 62269-7427 |
| Document Number | A2592687 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 2592687 |
| Name | CMG FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | SAN RAMON, CA 94583-1382 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2048 |
| Rate | 4.25% |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Apr 18, 2017 |
| Property Address | 1327 TIMBER RIDGE TRACE DR, O FALLON, IL 62269-7427 |
| Document Number | 00A2533742 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 2533742 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 18, 2017 |
| Title Company | ADVANCED TITLE SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $510.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1327 TIMBER RIDGE TRACE DR O FALLON IL 622697427, O FALLON, IL 62269-7427 |
| Document Number | A2533743 |
|---|---|
| Date | Apr 18, 2017 |
| Instrument | 2533743 |
| Name | GERSHMAN INV |
|---|---|
| Type | MERS |
| Address | CHESTERFIELD, MI 63017 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 17, 2047 |
| Rate | 4.62% |
|---|
Source: St. Clair County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | St. Clair County |
| County Subdivision | Caseyville 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) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $171,373 (+10.11%) Land $43,591 Building $127,782 | $514,119 (+10.11%) Land $130,773 Building $383,346 |
| 2024 | $155,638 Land $39,589 Building $116,049 | $466,914 Land $118,767 Building $348,147 |
| 2022 | $135,850 Land $34,432 Building $101,418 | $407,550 Land $103,296 Building $304,254 |
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.
FEMA has no flood map on file for 1327 Timber Ridge Trace Dr; there have been 1 flood claim nearby since 2022.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2022 · Severe Storm And Flooding |
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.
No wildfire likelihood is modeled around 1327 Timber Ridge Trace Dr, 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 wildfire likelihood modeled here |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wisper ISP Fixed Wireless | 100 / 20 |
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