1509 Cedar Rdg Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 1509 Cedar Rdg Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,263 sqft · built 2004
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Oct 2025)
Tax Bill	$9,363 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jul 2022 Sale & Mortgage + 2 more
APN	`04-20-0-213-022`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-213-022`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,263 sqft Living Area
Basement Area	1,183 sqft
Unfinished Basement	1,183 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Frame
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Mixed
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	360 sqft
Deck Area	144 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1509 CEDAR RIDGE DR
City	O FALLON
State	IL
Zip	62269-4233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE ENCLAVE AT WINDING CREEK LOT/SEC-9 A02863847
Legal Subdivision	THE ENCLAVE AT WINDING CREEK
Legal Block	213
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2033
Census Tract	504353

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1509 CEDAR RIDGE DR, O FALLON, IL 62269-4233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jul 27, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 10, 2020	Deed of Trust, Mortgage · VA Mortgage DELMAR FIN'L
Mar 26, 2019	Warranty Deed, Transfer · VA Mortgage HOME PT FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Prior Sale	Jul 27, 2022 · Amount on Record
Deed Document Number	20252863847
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 20, 2025
Property Address	1509 CEDAR RIDGE DR, O FALLON, IL 62269-4233
Document Number	0A02863847
Map Reference	MB 102 PG 1
Instrument Date	Oct 9, 2025
Instrument	A02863847
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1509 CEDAR RIDGE DR, O FALLON, IL 62269-4233

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1509 CEDAR RIDGE DR, O FALLON, IL 62269-4233

Mortgage

Document Number	0A02863848
Date	Oct 20, 2025
Instrument	A02863848

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate	4.37%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 27, 2022
Property Address	1509 CEDAR RIDGE DR, O FALLON, IL 62269-4233
Document Number	0A02754366
Map Reference	MB 102 PG 1
Instrument Date	Jul 22, 2022
Instrument	A02754366
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6613 RUSHTON RDG, MONTGOMERY, AL 36117-4641

Mortgage

Document Number	0A02754367
Date	Jul 27, 2022
Instrument	A02754367

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.37%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1509 CEDAR RIDGE DR, O FALLON, IL 62269-4233
Document Number	00A2648511
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	May 11, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1509 CEDAR RIDGE DR O FALLON IL 622694233, O FALLON, IL 62269-4233

Mortgage

Document Number	00A2648511
Date	Apr 20, 2020
Instrument	2648511

Lender

Name	DELMAR FIN'L
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 26, 2019
Property Address	1509 CEDAR RIDGE DR, O FALLON, IL 62269-4233
Document Number	00A2607737
Instrument Date	Mar 15, 2019
Instrument	2607737
Transaction Type	Transfer
Record Updated	Apr 12, 2019
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$427.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1305 HAPS LN O FALLON IL 622697136, O FALLON, IL 62269-7136

Mortgage

Document Number	A2607738
Date	Mar 26, 2019
Instrument	2607738

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2049

Interest

Rate	3.99%

Tax Assessment & Valuation

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	$9,363.00 (+8.39%)	$129,903 (+9.62%) Land $19,255 Building $110,648	$389,709 (+9.62%) Land $57,765 Building $331,944
2024	$8,638.00	$118,503 (+22.55%) Land $17,565 Building $100,938	$355,509 (+22.55%) Land $52,695 Building $302,814
2022		$96,697 Land $14,333 Building $82,364	$290,091 Land $42,999 Building $247,092

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

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 Record 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

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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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