712 Highcliff Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 712 Highcliff Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,120 sqft · built 1995
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$254,667 (May 2020)
Tax Bill	$6,506 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Sale & Mortgage
APN	`04-31-0-109-006`

Property Details

APN / Parcel Number

Primary APN	`04-31-0-109-006`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Combination
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Mixed
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	416 sqft
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	712 HIGHCLIFF DR
City	O FALLON
State	IL
Zip	62269-7513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAMBRIDGE COMMONS 3RD ADD LOT/SEC-129 A02651152
Legal Subdivision	CAMBRIDGE COMMONS 3RD ADD
Legal Block	109
Legal Lot Number	129
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2005
Census Tract	504354

Owner

Source: St. Clair County records, as of September 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	2 Individual Names on File
Mailing Address	712 HIGHCLIFF DR, O FALLON, IL 62269-7513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
May 18, 2020	Warranty Deed, Transfer · VA Mortgage AMERICAN PORTFOLIO MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on File
Deed Sale	May 18, 2020 · Amount on File
Deed Document Number	20202651152
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	712 HIGHCLIFF DR, O FALLON, IL 62269-7513
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02687546
Date	Feb 12, 2021
Instrument	A02687546

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 18, 2020
Property Address	712 HIGHCLIFF DR, O FALLON, IL 62269-7513
Document Number	00A2651152
Instrument Date	May 14, 2020
Instrument	2651152
Transaction Type	Transfer
Record Updated	Jun 9, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1117 ROUNDTABLE CT O FALLON IL 622697508, O FALLON, IL 62269-7508

Mortgage

Document Number	A2651153
Date	May 18, 2020
Instrument	2651153

Lender

Name	AMERICAN PORTFOLIO MTG
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

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	$6,506.00	$108,089 (+34.34%) Land $11,922 Building $96,167	$324,267 (+34.34%) Land $35,766 Building $288,501
2022		$80,460 Land $8,875 Building $71,585	$241,380 Land $26,625 Building $214,755

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	5 in force

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 449 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: ClearWave, Wisper ISP.

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