809 Cardiff Ct, O Fallon, IL 62269 Property Records

St. Clair County property record for 809 Cardiff Ct, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,400 sqft · built 2005
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Jul 2008)
Tax Bill	$11,357 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
APN	`04-16-0-403-042`

Property Details

APN / Parcel Number

Primary APN	`04-16-0-403-042`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,400 sqft Living Area
Basement Area	2,400 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	16,553 sqft (0.38 acres)
Garage Type	Mixed
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	809 CARDIFF CT
City	O FALLON
State	IL
Zip	62269-6879
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNBURY HILL 9TH ADD LOT 174 A02681866
Legal Subdivision	THORNBURY HILL 9TH ADD
Legal Block	403
Legal Lot Number	174
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1008
Census Tract	504353

Owner

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	Individual Name on Record
Mailing Address	809 CARDIFF CT, O FALLON, IL 62269-6879
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2008 · Amount on Record
Deed Sale	Jul 14, 2008 · Amount on Record
Prior Sale	Feb 3, 2006 · Amount on Record
Deed Document Number	20082113722
Last Transfer Date	Dec 18, 2020
Transfer Doc	00A2681866
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 31, 2020
Property Address	809 CARDIFF CT, O FALLON, IL 62269-6879
Document Number	00A2681866
Instrument Date	Dec 18, 2020
Instrument	2681866
Transaction Type	Transfer
Record Updated	Mar 30, 2021
Title Company	FIRST AMERICAN

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 CARDIFF CT O FALLON IL 622696879, O FALLON, IL 62269-6879

Mortgage

Document Number	A2681867
Date	Dec 31, 2020
Instrument	2681867

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

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	$11,357.00 (+11.01%) Homeowner's exemption	$163,566 (+11.75%) Land $24,791 Building $138,775	$490,698 (+11.75%) Land $74,373 Building $416,325
2024	$10,231.00	$146,365 (+22.55%) Land $22,615 Building $123,750	$439,095 (+22.55%) Land $67,845 Building $371,250
2022		$119,432 Land $18,454 Building $100,978	$358,296 Land $55,362 Building $302,934

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20