856 Chesapeake Junction Ln, O Fallon, IL 62269 Property Records

St. Clair County property record for 856 Chesapeake Junction Ln, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 896 sqft · built 2005
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2022)
Tax Bill	$8,129 (2025)
Deeds & Mortgages	Feb 2026 Transfer May 2022 Sale & Mortgage + 2 more
APN	`03-23-0-302-001`

Property Details

APN / Parcel Number

Primary APN	`03-23-0-302-001`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	896 sqft Living Area
Upper Floors Area	28 sqft
Basement Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	320 sqft
Deck Area	100 sqft
Patio Area	254 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	856 CHESAPEAKE JUNCTION LN
City	O FALLON
State	IL
Zip	62269-6983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHESAPEAKE JUNCTION PHASE 1 LOT 14 IN A02874507
Legal Subdivision	CHESAPEAKE JUNCTION
Legal Phase	1
Legal Block	302
Legal Lot Number	14
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	2
Census Block	2013
Census Tract	503404

Owner

856 Chesapeake Junction Ln is owned and occupied by two individuals who acquired it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	856 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-6983
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 12, 2026	Intrafamily Transfer, Transfer
May 27, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 17, 2018	Loan Modification, Mortgage · Conventional with PMI FIFTH THIRD MTG
Jul 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2022 · Amount on File
Deed Sale	May 27, 2022 · Amount on File
Prior Sale	Jun 7, 2006 · Amount on File
Deed Document Number	20222747808
Last Transfer Date	Feb 11, 2026
Transfer Doc	0A02874507
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Feb 12, 2026
Property Address	856 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-6983
Document Number	0A02874507
Map Reference	MB 104 PG 79
Instrument Date	Feb 11, 2026
Instrument	A02874507
Transaction Type	Transfer
Record Updated	Feb 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-6983

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 27, 2022
Property Address	856 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-6983
Document Number	0A02747808
Map Reference	MB 104 PG 79
Instrument Date	May 23, 2022
Instrument	A02747808
Transaction Type	Transfer
Record Updated	Jun 10, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	856 CHESAPEAKE JUNCTION LN, 856, O FALLON, IL 62269-6983

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-6983

Mortgage

Document Number	0A02747809
Date	May 27, 2022
Instrument	A02747809

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CLAIR IL
Property Address	856 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-6983
Document Number	00A2588579
Instrument Date	Aug 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC SVCNG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 CHESAPEAKE JUNCTION LN O FALLON IL 622696983, O FALLON, IL 62269-6983

Mortgage

Document Number	00A2588579
Date	Aug 29, 2018
Instrument	2588579

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional with PMI
Amount	Amount on Record

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 16, 2018
Property Address	856 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-6983
Document Number	00A2582730
Instrument Date	Jul 11, 2018
Instrument	2582730
Transaction Type	Transfer
Record Updated	Aug 8, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 CHESAPEAKE JUNCTION LN O FALLON IL 622696983, O FALLON, IL 62269-6983

Tax Assessment & Valuation

The 2025 property tax bill for 856 Chesapeake Junction Ln was $8,129 with a homeowner's exemption, up 9.7% 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	Caseyville 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	$8,129.00 (+9.72%)	$121,711 (+10.11%) Land $22,678 Building $99,033	$365,133 (+10.11%) Land $68,034 Building $297,099
2024	$7,409.00 Homeowner's exemption	$110,536 Land $20,596 Building $89,940	$331,608 Land $61,788 Building $269,820
2022		$85,361 Land $16,235 Building $69,126	$256,083 Land $48,705 Building $207,378

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 856 Chesapeake Junction Ln; there have been 3 flood claims nearby since 1979.

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	3 (1979–2023)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jul 2023 · rainfall accumulation

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 856 Chesapeake Junction Ln 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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 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.

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 315 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, i3 Broadband, T-Mobile, Wisper ISP.

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