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

St. Clair County property record for 320 N Cedar St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 936 sqft · built 1951
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Trust Names on Record
Last Sale	$126,000 (Nov 2018)
Tax Bill	$1,202 (2025)
Deeds & Mortgages	Sep 2025 Transfer Nov 2018 Sale & Mortgage + 1 more
APN	`04-30-0-217-008`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-217-008`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	936 sqft Living Area
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	320 N CEDAR ST
City	O FALLON
State	IL
Zip	62269-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OFALLON TWP SEC 30 LOT/SEC-30-SUBL/TWP-2N-BLK/RG-7W PT LT 12A & 10 A02861093 PT VACATED ALLEY AS IN A02582203
Legal Range	07W
Legal Township	02N
Legal Section	30
Legal Subdivision	OFALLON TWP SEC 30
Legal Block	217
Legal Lot Number	12A,10
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1016
Census Tract	504354

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 Trust Names on Record
Mailing Address	320 N CEDAR ST, O FALLON, IL 62269-1108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 5, 2018	Warranty Deed, Transfer · Conventional Mortgage SCOTT CU
Jul 11, 2018	Warranty Deed, Construction Loan · Line of Credit BANK OF O'FALLON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on Record
Deed Sale	Nov 5, 2018 · Amount on Record
Prior Sale	Jul 11, 2018 · Amount on Record
Deed Document Number	20182595282
Last Transfer Date	Sep 22, 2025
Transfer Doc	0002861093
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Sep 23, 2025
Property Address	320 N CEDAR ST, O FALLON, IL 62269-1108
Document Number	0A02861093
Map Reference	MB 2 PG 22
Instrument Date	Sep 22, 2025
Instrument	A02861093
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 5, 2018
Property Address	320 N CEDAR ST, O FALLON, IL 62269-1108
Document Number	00A2595282
Instrument Date	Nov 1, 2018
Instrument	2595282
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1422 CANTWELL LN SWANSEA IL 622262175, SWANSEA, IL 62226-2175

Mortgage

Document Number	A2595283
Date	Nov 5, 2018
Instrument	2595283

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

July 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 11, 2018
Property Address	320 N CEDAR ST, O FALLON, IL 62269-1108
Document Number	00A2582203
Instrument Date	Jul 5, 2018
Instrument	2582203
Transaction Type	Construction Loan
Record Updated	Aug 1, 2018
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
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	1515 PEACH ORCHARD LN O FALLON IL 622696637, O FALLON, IL 62269-6637

Mortgage

Document Number	A2582204
Date	Jul 11, 2018
Instrument	2582204

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O'FALLON, IL 62269-8626

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 10, 2019

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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	$1,202.00 (-1.15%)	$41,414 (+9.62%) Land $4,510 Building $36,904	$124,242 (+9.62%) Land $13,530 Building $110,712
2024	$1,216.00 Homeowner's exemption Senior Citizen's exemption	$37,779 (+22.55%) Land $4,114 Building $33,665	$113,337 (+22.55%) Land $12,342 Building $100,995
2022		$30,827 Land $3,357 Building $27,470	$92,481 Land $10,071 Building $82,410

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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