St. Clair County property record for 423 N Cedar St, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,305 sqft · built 1902 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $99,500 (May 2004) |
| Tax Bill | $2,826 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| APN | 04-30-0-216-001 |
| Primary APN | 04-30-0-216-001 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Mixed |
| Garage Area | 609 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 232 sqft |
| Cooling System | Central |
|---|
| Street Address | 423 N CEDAR ST |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-1111 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SMILEYS ADD LOT/SEC-61 DOC A01842296 |
| Legal Subdivision | SMILEYS ADD |
| Legal Block | 216 |
| Legal Lot Number | 61 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 504354 |
423 N Cedar St is owned and occupied by an individual who bought it in May 2004.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 423 N CEDAR ST, O FALLON, IL 62269-1111 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2004 · Amount on File |
| Deed Sale | May 21, 2004 · Amount on File |
| Deed Document Number | 20041842296 |
| Deed Book / Page | 4031 / 580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | May 1, 2026 |
| Property Address | 423 N CEDAR ST, O FALLON, IL 62269-1111 |
| Document Number | 0A02882226 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 20262882226 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 423 N CEDAR ST, O FALLON, IL 62269-1111 |
| Document Number | 0002882226, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 20262882226 |
| Name | ASSOCIATED BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 28, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 423 N Cedar St was $2,826 with exemptions applied, up 11.4% from the year before.
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,826.00 (+11.39%) Homeowner's exemption Senior Citizen's exemption | $50,213 (+9.62%) Land $4,369 Building $45,844 | $150,639 (+9.62%) Land $13,107 Building $137,532 |
| 2024 | $2,537.00 | $45,807 Land $3,986 Building $41,821 | $137,421 Land $11,958 Building $125,463 |
| 2022 | $37,378 Land $3,253 Building $34,125 | $112,134 Land $9,759 Building $102,375 |
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.
FEMA has no flood map on file for 423 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 risk around 423 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 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.
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 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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