305 N Cedar St, O Fallon, IL 62269 Property Records

St. Clair County property record for 305 N Cedar St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,518 sqft · built 1953
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$86,000 (Dec 2002)
Tax Bill	$4,169 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
APN	`04-30-0-216-030`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-216-030`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,518 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1985
Construction Type	Frame
Lot Area	28,750 sqft (0.66 acres)
Garage Type	Mixed
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	305 N CEDAR ST
City	O FALLON
State	IL
Zip	62269-1109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUDINA PLACE LOT/SEC-10 LT 9 & SE 25 FT LT 10 & LTS 18 & 19 & PT LT 9 & 12A IN SEC 30 AS IN A02635613
Legal Subdivision	BUDINA PLACE
Legal Block	216
Legal Lot Number	9,12A
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1015
Census Tract	504354

Owner

305 N Cedar St is owned and occupied by two individuals who acquired it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	305 N CEDAR ST, O FALLON, IL 62269-1109
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2002 · Amount on File
Deed Sale	Dec 4, 2002 · Amount on File
Deed Document Number	20021719377
Deed Book / Page	3755 / 1633
Last Transfer Date	Nov 26, 2019
Transfer Doc	0002635613
Record Updated	Oct 29, 2026

December 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 9, 2019
Property Address	305 N CEDAR ST, O FALLON, IL 62269-1109
Document Number	00A2635613
Instrument Date	Nov 26, 2019
Instrument	2635613
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transaction

Amount	Amount on Record
Tax	$0.75
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	605 N CEDAR ST O FALLON IL 62269, O FALLON, IL 62269

Mortgage

Document Number	A2635614
Date	Dec 9, 2019
Instrument	2635614

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 8, 2029

Interest

Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 305 N Cedar St was $4,169 with exemptions applied.

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	$4,169.00	$68,844 Land $12,463 Building $56,381	$206,532 Land $37,389 Building $169,143
2022		$48,801 Land $9,277 Building $39,524	$146,403 Land $27,831 Building $118,572

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 305 N Cedar St; there have been 3 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1990–2022)
Claims Outside the SFHA	3 of 3
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 305 N Cedar St 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 99.1% of the US · lower than 94% 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 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Verizon.

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