St. Clair County property record for 413 Alder Ridge Dr, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $541,000 (Dec 2024) |
| Tax Bill | $13,938 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Jul 2025 Mortgage + 1 more |
| APN | 03-13-0-214-003 |
| Primary APN | 03-13-0-214-003 |
|---|
| Lot Area | 18,731 sqft (0.43 acres) |
|---|
| Street Address | 413 ALDER RIDGE DR |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-7414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE RESERVES OF TIMBER RIDGE WEST PH 2 LOT 262 DOC A02834519 |
| Legal Subdivision | THE RESERVES OF TIMBER RIDGE WEST |
| Legal Phase | 2 |
| Legal Lot Number | 262 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | CASEYVILLE |
| Census Block Group | 3 |
| Census Block | 3045 |
| Census Tract | 503404 |
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 | 413 ALDER RIDGE DR, O FALLON, IL 62269-7414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF SPRINGFIELD |
| Jul 24, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BANK OF SPRINGFIELD |
| Dec 18, 2024 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DELMAR FINANCIAL CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2024 · Amount on Record |
| Deed Sale | Dec 18, 2024 · Amount on Record |
| Prior Sale | Dec 18, 2024 · Amount on Record |
| Deed Document Number | 20242834519 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 413 ALDER RIDGE DR, O FALLON, IL 62269-7414 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0A02854717 |
|---|---|
| Date | Jul 24, 2025 |
| Instrument | A02854717 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, IL 62794 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 413 ALDER RIDGE DR, O FALLON, IL 62269-7414 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0A02854716 |
|---|---|
| Date | Jul 24, 2025 |
| Instrument | A02854716 |
| Name | BANK OF SPRINGFIELD |
|---|---|
| Type | Bank |
| Address | PAWNEE, IL 62558 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Dec 18, 2024 |
| Property Address | 413 ALDER RIDGE DR, O FALLON, IL 62269-7414 |
| Document Number | 0A02834519 |
| Map Reference | DOC A02818806 |
| Instrument Date | Dec 13, 2024 |
| Instrument | A02834519 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $541.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 413 ALDER RIDGE DR, O FALLON, IL 62269-7414 |
| Investor | Possibly a Property Investor |
| Document Number | 0A02834520 |
|---|---|
| Date | Dec 18, 2024 |
| Instrument | A02834520 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.62% |
Source: St. Clair County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | St. Clair County |
| County Subdivision | Caseyville 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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,938.00 | $208,687 Land $40,224 Building $168,463 | $626,061 Land $120,672 Building $505,389 |
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.
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 | 7 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wisper ISP Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures