St. Clair County property record for 830 Cardiff Ct, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,142 sqft · built 2006 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $420,000 (Aug 2022) |
| Tax Bill | $11,735 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2022 Sale & Mortgage + 1 more |
| APN | 04-16-0-403-046 |
| Primary APN | 04-16-0-403-046 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,142 sqft Living Area |
| Upper Floors Area | 64 sqft |
| Basement Area | 1,612 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Mixed |
| Garage Area | 582 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 94 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|
| Street Address | 830 CARDIFF CT |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-6863 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THORNBURY HILL 9TH ADD LOT 183 A02756379 |
| Legal Subdivision | THORNBURY HILL 9TH ADD |
| Legal Block | 403 |
| Legal Lot Number | 183 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 504353 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 830 CARDIFF CT, O FALLON, IL 62269-6863 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Aug 16, 2022 | Warranty Deed, Transfer · VA Mortgage PENTAGON FCU |
| May 28, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage F&B ACQUISITION GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on Record |
| Deed Sale | Aug 16, 2022 · Amount on Record |
| Prior Sale | Jun 18, 2015 · Amount on Record |
| Deed Document Number | 20222756379 |
| Prior Transfer Date | May 18, 2021 |
| Prior Transfer Doc | 0002701908 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Jul 17, 2026 |
| Property Address | 830 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | 0002889865 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 20262889865 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 830 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | 0002889865, |
|---|---|
| Date | Jul 17, 2026 |
| Instrument | 20262889865 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Aug 1, 2066 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 10% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Aug 16, 2022 |
| Property Address | 830 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | 0A02756379 |
| Map Reference | MB 105 PG 58 |
| Instrument Date | Aug 15, 2022 |
| Instrument | A02756379 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2022 |
| Title Company | TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 830 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | 0A02756380 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | A02756380 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | May 28, 2021 |
| Property Address | 830 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | A02701908 |
| Map Reference | MB 105 PG 58 |
| Instrument Date | May 18, 2021 |
| Instrument | A02701908 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 519 BUCKEYE DR, 519, TROY, IL 62294-2315 |
| Name | Verified Name |
|---|---|
| Address | 830 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | A02701909 |
|---|---|
| Date | May 28, 2021 |
| Instrument | A02701909 |
| Name | F&B ACQUISITION GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate | 3.12% |
|---|
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 | $11,735.00 | $162,809 (+35.79%) Land $22,595 Building $140,214 | $488,427 (+35.79%) Land $67,785 Building $420,642 |
| 2022 | $119,900 Land $16,819 Building $103,081 | $359,700 Land $50,457 Building $309,243 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wisper ISP Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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