203 Summerlin Rdg, O Fallon, IL 62269 Property Records

St. Clair County property record for 203 Summerlin Rdg, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,340 sqft · built 1999
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Sep 2022)
Tax Bill	$13,196 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2022 Sale & Mortgage + 2 more
APN	`04-18-0-207-001`

Property Details

APN / Parcel Number

Primary APN	`04-18-0-207-001`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,340 sqft Living Area
Upper Floors Area	24 sqft
Basement Area	1,780 sqft
Unfinished Basement	1,780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2003
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Mixed
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	203 SUMMERLIN RDG
City	O FALLON
State	IL
Zip	62269-6681
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE ESTATES AT LINCOLN FARM LOT/SEC-33 A02759008
Legal Subdivision	THE ESTATES
Legal Block	207
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1016
Census Tract	504355

Owner

203 Summerlin Rdg is owned and occupied by two individuals who bought it in September 2022.

Source: St. Clair County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	203 SUMMERLIN RDG, O FALLON, IL 62269-6681
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
Sep 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Sep 13, 2022	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Dec 3, 2020	Deed of Trust, Construction Loan · Construction Mortgage COLLINSVILLE BLDG & LN ASSN
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage COLLINSVILLE BLDG & LN ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Dec 7, 1999 · Amount on File
Deed Document Number	20222759008
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Sep 25, 2026
Property Address	203 SUMMERLIN RDG, O FALLON, IL 62269-6681
Document Number	0002896640
Instrument Date	Sep 18, 2026
Instrument	20262896640
Transaction Type	Mortgage
Record Updated	Oct 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SUMMERLIN RDG, O FALLON, IL 62269-6681

Mortgage

Document Number	0002896640,
Date	Sep 25, 2026
Instrument	20262896640

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2066

Interest

Rate Type	Fixed Rate
Rate	10%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 13, 2022
Property Address	203 SUMMERLIN RDG, O FALLON, IL 62269-6681
Document Number	0A02759008
Map Reference	MB 95 PG 49&50
Instrument Date	Sep 8, 2022
Instrument	A02759008
Transaction Type	Transfer
Record Updated	Sep 28, 2022
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
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
Address	5716 2ND ST, KENOSHA, WI 53144-7204

Mortgage

Document Number	0A02759009
Date	Sep 13, 2022
Instrument	A02759009

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate	4.62%

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Dec 3, 2020
Property Address	203 SUMMERLIN RDG, O FALLON, IL 62269-6681
Document Number	00A2678165
Instrument Date	Nov 23, 2020
Instrument	2678165
Transaction Type	Construction Loan
Record Updated	Jan 12, 2021
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SUMMERLIN RDG O FALLON IL 622696681, O FALLON, IL 62269-6681

Mortgage

Document Number	00A2678165
Date	Dec 3, 2020
Instrument	2678165

Lender

Name	COLLINSVILLE BLDG & LN ASSN
Type	Funding / Finance Company
Address	COLLINSVILLE, IL 62234

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 2, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	203 SUMMERLIN RDG, O FALLON, IL 62269-6681
Document Number	00A2630165
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SUMMERLIN RDG O FALLON IL 622696681, O FALLON, IL 62269-6681

Mortgage

Document Number	00A2630165
Date	Oct 15, 2019
Instrument	2630165

Lender

Name	COLLINSVILLE BLDG & LN ASSN
Type	Funding / Finance Company
Address	COLLINSVILLE, IL 62234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 14, 2029

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 203 Summerlin Rdg was $13,196 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	$13,196.00	$189,076 Land $31,972 Building $157,104	$567,228 Land $95,916 Building $471,312
2022		$138,945 Land $23,799 Building $115,146	$416,835 Land $71,397 Building $345,438

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 203 Summerlin Rdg; there have been 4 flood claims nearby since 1980.

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	6 in force
Nearby Flood Claims	4 (1980–2022)
Claims Outside the SFHA	2 of 4
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.

Wildfire

Wildfire risk around 203 Summerlin Rdg 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 98% of the US · lower than 86% 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 56 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Wisper ISP Fixed Wireless	100 / 20

May also be available: AT&T.

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