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

St. Clair County property record for 904 Chesapeake Junction Ln, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,650 sqft · built 2008
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,000 (Aug 2019)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2021 Mortgage + 2 more
APN	`03-23-0-301-013`

Property Details

APN / Parcel Number

Primary APN	`03-23-0-301-013`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	1,650 sqft Living Area
Upper Floors Area	11 sqft
Basement Area	1,650 sqft
Unfinished Basement	1,650 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Combination
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	904 CHESAPEAKE JUNCTION LN
City	O FALLON
State	IL
Zip	62269-7088
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHESAPEAKE JUNCTION PHASE 1 LOT 12 A02621614
Legal Subdivision	CHESAPEAKE JUNCTION
Legal Phase	1
Legal Block	301
Legal Lot Number	12
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	2
Census Block	2070
Census Tract	503404

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	2 Individual Names on Record
Mailing Address	904 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-7088
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES
Nov 9, 2021	Deed of Trust, Mortgage · VA Mortgage DAS ACQUISITION
Aug 6, 2019	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION
Apr 19, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF BELLEVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on Record
Deed Sale	Aug 6, 2019 · Amount on Record
Prior Sale	Feb 9, 2009 · Amount on Record
Deed Document Number	20192621614
Prior Transfer Date	Oct 18, 2011
Prior Transfer Doc	0002286693
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Aug 3, 2026
Property Address	904 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-7088
Document Number	0002891488
Instrument Date	Jul 27, 2026
Instrument	20262891488
Transaction Type	Mortgage
Record Updated	Aug 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship, 153
Address	904 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-7088

Mortgage

Document Number	0002891488,
Date	Aug 3, 2026
Instrument	20262891488

Lender

Name	CARRINGTON MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	9%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	904 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-7088
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02725036
Date	Nov 9, 2021
Instrument	A02725036

Lender

Name	DAS ACQUISITION
Type	Mortgage Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 6, 2019
Property Address	904 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-7088
Document Number	00A2621614
Instrument Date	Jul 31, 2019
Instrument	2621614
Transaction Type	Transfer
Record Updated	Aug 16, 2019
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$349.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2206 KAISER RD NEW ATHENS IL 622643318, NEW ATHENS, IL 62264-3318

Mortgage

Document Number	A2621615
Date	Aug 6, 2019
Instrument	2621615

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	904 CHESAPEAKE JUNCTION LN, O FALLON, IL 62269-7088
Document Number	00A2610664
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	TOWN AND COUNTRY TITLE GUARANTY, TOWN AND COUNTRY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	904 CHESAPEAKE JUNCTION LN O FALLON IL 622697088, O FALLON, IL 62269-7088

Mortgage

Document Number	00A2610664
Date	Apr 23, 2019
Instrument	2610664

Lender

Name	BANK OF BELLEVILLE
Type	Bank
Address	BELLEVILLE, IL 62220

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	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	Assessed Value	Assessed Market Value
2025	$115,062 (+55.93%) Land $17,849 Building $97,213	$345,186 (+55.93%) Land $53,547 Building $291,639
2022	$73,790 Land $12,780 Building $61,010	$221,370 Land $38,340 Building $183,030

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	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

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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