St. Clair County property record for 833 Cardiff Ct, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,714 sqft · built 2006 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Sep 2017) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2017 Sale & Mortgage |
| APN | 04-16-0-403-036 |
| Primary APN | 04-16-0-403-036 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,714 sqft Living Area |
| Basement Area | 1,399 sqft |
| Unfinished Basement | 1,440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Type | Mixed |
| Garage Area | 431 sqft |
| Driveway | Driveway |
| Driveway Area | 1,008 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 322 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|
| Street Address | 833 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 180 A02550681 |
| Legal Subdivision | THORNBURY HILL 9TH ADD |
| Legal Block | 403 |
| Legal Lot Number | 180 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 833 CARDIFF CT, O FALLON, IL 62269-6863 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Sep 5, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2017 · Amount on File |
| Deed Sale | Sep 5, 2017 · Amount on File |
| Prior Sale | Oct 26, 2006 · Amount on File |
| Deed Document Number | 20172550681 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Apr 29, 2026 |
| Property Address | 833 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | 0002881909 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20262881909 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 833 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | 0002881909, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20262881909 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 5, 2017 |
| Property Address | 833 CARDIFF CT, O FALLON, IL 62269-6863 |
| Document Number | 00A2550681 |
| Instrument Date | Aug 18, 2017 |
| Instrument | 2550681 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $427.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 833 CARDIFF CT O FALLON IL 622696863, O FALLON, IL 62269-6863 |
| Document Number | A2550682 |
|---|---|
| Date | Sep 5, 2017 |
| Instrument | 2550682 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2047 |
| Rate | 3.5% |
|---|
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $147,027 (+9.62%) Land $29,456 Building $117,571 | $441,081 (+9.62%) Land $88,368 Building $352,713 |
| 2024 | $134,124 (+22.55%) Land $26,871 Building $107,253 | $402,372 (+22.55%) Land $80,613 Building $321,759 |
| 2022 | $109,443 Land $21,926 Building $87,517 | $328,329 Land $65,778 Building $262,551 |
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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