St. Clair County property record for 1408 Cedar Rdg Dr, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,452 sqft · built 2003 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Jul 2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| APN | 04-20-0-215-004 |
| Primary APN | 04-20-0-215-004 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,452 sqft Living Area |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 1,292 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Mixed |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 204 sqft |
| Patio Area | 280 sqft |
| Cooling System | Central |
|---|
| Street Address | 1408 CEDAR RIDGE DR |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-4231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE ENCLAVE AT WINDING CREEK LOT/SEC-41 A02854179 |
| Legal Subdivision | THE ENCLAVE AT WINDING CREEK |
| Legal Block | 215 |
| Legal Lot Number | 41 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 504353 |
1408 Cedar Rdg Dr is owned and occupied by two individuals who bought it in July 2025.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1408 CEDAR RIDGE DR, O FALLON, IL 62269-4231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2025 · Amount on File |
| Deed Sale | Jul 18, 2025 · Amount on File |
| Prior Sale | Aug 4, 2003 · Amount on File |
| Deed Document Number | 20252854179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 1408 CEDAR RIDGE DR, O FALLON, IL 62269-4231 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A02744978 |
|---|---|
| Date | May 3, 2022 |
| Instrument | A02744978 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2037 |
| Rate | 3.87% |
|---|
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $117,853 Land $18,012 Building $99,841 | $353,559 Land $54,036 Building $299,523 |
| 2022 | $87,726 Land $13,407 Building $74,319 | $263,178 Land $40,221 Building $222,957 |
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 1408 Cedar Rdg Dr; 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 risk around 1408 Cedar Rdg Dr 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 97% of the US · lower than 79% 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.
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 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Wisper ISP Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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