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

St. Clair County property record for 424 N Cedar St, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,656 sqft · built 1966
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Jan 2024)
Tax Bill	$3,567 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Dec 2020 Construction Loan + 1 more
APN	`04-30-0-217-032`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-217-032`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,656 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1985
Construction Type	Frame
Foundation Type	Raised
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Mixed
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	424 N CEDAR ST
City	O FALLON
State	IL
Zip	62269-1110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SMILEYS ADD LOT/SEC-48 W 100FT OF LOTS 48, 49, 50 A02803962
Legal Subdivision	SMILEYS ADD
Legal Block	217
Legal Lot Number	48,50
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 October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	424 N CEDAR ST, O FALLON, IL 62269-1110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Warranty Deed, Transfer · VA Mortgage NQM FUNDING LLC
Dec 22, 2020	Deed of Trust, Construction Loan · Construction Mortgage BANK OF O'FALLON
Sep 1, 2020	Warranty Deed, Construction Loan · Construction Mortgage BANK OF O'FALLON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2024 · Amount on Record
Deed Sale	Jan 29, 2024 · Amount on Record
Prior Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	20242803962
Prior Transfer Date	Mar 27, 2007
Prior Transfer Doc	00A2033651
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 29, 2024
Property Address	424 N CEDAR ST, O FALLON, IL 62269-1110
Document Number	0A02803962
Map Reference	MB L PG 22
Instrument Date	Jan 19, 2024
Instrument	A02803962
Transaction Type	Transfer
Record Updated	Feb 14, 2024
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$238.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 N CEDAR ST, O FALLON, IL 62269-1110

Mortgage

Document Number	0A02803963
Date	Jan 29, 2024
Instrument	A02803963

Lender

Name	NQM FUNDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.12%

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Dec 22, 2020
Property Address	424 N CEDAR ST, O FALLON, IL 62269-1110
Document Number	00A2680818
Instrument Date	Dec 14, 2020
Instrument	2680818
Transaction Type	Construction Loan
Record Updated	Feb 12, 2021
Title Company	BENEDICK TITLE, BENEDICK TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	504 S VINE ST O FALLON IL 622692604, O FALLON, IL 62269-2604

Mortgage

Document Number	00A2680818
Date	Dec 22, 2020
Instrument	2680818

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Dec 21, 2023

September 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 1, 2020
Property Address	424 N CEDAR ST, O FALLON, IL 62269-1110
Document Number	00A2665136
Instrument Date	Aug 20, 2020
Instrument	2665136
Transaction Type	Construction Loan
Record Updated	Oct 16, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Tax	$128.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	504 S VINE ST O FALLON IL 622692604, O FALLON, IL 62269-2604

Mortgage

Document Number	A2665137
Date	Sep 1, 2020
Instrument	2665137

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 31, 2021

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	$3,567.00 (-11.31%)	$60,497 (+9.62%) Land $9,378 Building $51,119	$181,491 (+9.62%) Land $28,134 Building $153,357
2024	$4,022.00	$55,188 (+22.55%) Land $8,555 Building $46,633	$165,564 (+22.55%) Land $25,665 Building $139,899
2022		$45,033 Land $6,981 Building $38,052	$135,099 Land $20,943 Building $114,156

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	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.

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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