720 Cardiff Ct, O Fallon, IL 62269 Property Records

St. Clair County property record for 720 Cardiff Ct, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,401 sqft · built 2005
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Trust Names on File
Tax Bill	$11,139 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jun 2021 Sale & Mortgage + 1 more
APN	`04-16-0-405-012`

Property Details

APN / Parcel Number

Primary APN	`04-16-0-405-012`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,401 sqft Living Area
Basement Area	1,339 sqft
Unfinished Basement	1,339 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	15,682 sqft (0.36 acres)
Garage Area	810 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	720 CARDIFF CT
City	O FALLON
State	IL
Zip	62269-7409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNBURY HILL 8TH ADD LOT 168 A02869189
Legal Subdivision	THORNBURY HILL 8TH ADD
Legal Block	405
Legal Lot Number	168
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1013
Census Tract	504353

Owner

720 Cardiff Ct is owner-occupied and held in a trust since December 2025.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	720 CARDIFF CT, O FALLON, IL 62269-7409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Intrafamily Transfer, Transfer
Jun 21, 2021	Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL CO
Dec 23, 2016	Deed of Trust, Mortgage · VA Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2024
Deed Sale	Nov 25, 2024
Prior Sale	Jun 21, 2021 · Amount on File
Deed Document Number	20242832342
Last Transfer Date	Dec 16, 2025
Transfer Doc	0002869189
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Dec 16, 2025
Property Address	720 CARDIFF CT, O FALLON, IL 62269-7409
Document Number	0A02869189
Map Reference	DOC A01829138
Instrument Date	Dec 16, 2025
Instrument	A02869189
Transaction Type	Transfer
Record Updated	Jan 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	720 CARDIFF CT, O FALLON, IL 62269-7409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 CARDIFF CT, O FALLON, IL 62269-7409

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 21, 2021
Property Address	720 CARDIFF CT, O FALLON, IL 62269-7409
Document Number	0A02704213
Map Reference	DOCA01829138MB104PG5
Instrument Date	Jun 16, 2021
Instrument	A02704213
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	720 CARDIFF CT, 720, O FALLON, IL 62269-7409

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	881 DELAWARE ST, DENVER, CO 80204-4533

Mortgage

Document Number	0A02704214
Date	Jun 21, 2021
Instrument	A02704214

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.25%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	720 CARDIFF CT, O FALLON, IL 62269-7409
Document Number	00A2528008
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	May 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	720 CARDIFF CT O FALLON IL 622697409, O FALLON, IL 62269-7409

Mortgage

Document Number	00A2528008
Date	Feb 24, 2017
Instrument	2528008

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

The 2025 property tax bill for 720 Cardiff Ct was $11,139 with exemptions applied, up 9.2% from the year before.

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	$11,139.00 (+9.15%) Homeowner's exemption Senior Citizen's exemption	$165,534 (+9.62%) Land $24,168 Building $141,366	$496,602 (+9.62%) Land $72,504 Building $424,098
2024	$10,205.00 Homeowner's exemption Senior Citizen's exemption	$151,007 Land $22,047 Building $128,960	$453,021 Land $66,141 Building $386,880
2022		$123,219 Land $17,990 Building $105,229	$369,657 Land $53,970 Building $315,687

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

FEMA has no flood map on file for 720 Cardiff Ct; there have been 2 flood claims nearby since 2004.

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	2 (2004–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2013 · other causes

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

Wildfire risk around 720 Cardiff Ct 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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