1146 Windermere Run, O Fallon, IL 62269 Property Records

St. Clair County property record for 1146 Windermere Run, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,362 sqft · built 1996
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$45,000 (Dec 1995)
Tax Bill	$13,858 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Jun 2020 Line of Credit
APN	`04-08-0-304-001`

Property Details

APN / Parcel Number

Primary APN	`04-08-0-304-001`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,362 sqft Living Area
Upper Floors Area	28 sqft
Basement Area	3,462 sqft
Finished Basement	1,100 sqft
Unfinished Basement	1,262 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Frame
Lot Area	44,431 sqft (1.02 acres)
Garage Area	1,406 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	704 sqft
Patio Area	187 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1146 WINDERMERE RUN
City	O FALLON
State	IL
Zip	62269-7021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEEPLECHASE 1ST ADD LOT/SEC-50 BK 3069-433
Legal Subdivision	STEEPLECHASE 1ST ADD
Legal Block	304
Legal Lot Number	50
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2012
Census Tract	504353

Owner

1146 Windermere Run is owned and occupied by two individuals who bought it in December 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	1146 WINDERMERE RUN, O FALLON, IL 62269-7021
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 4, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF O'FALLON
Jun 10, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF O'FALLON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 1995 · Amount on File
Deed Sale	Dec 1, 1995 · Amount on File
Deed Document Number	19951305992
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1146 WINDERMERE RUN, O FALLON, IL 62269-7021
Document Number	00A2667579
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Nov 4, 2020
Title Company	BENEDICK TITLE, BENEDICK TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 WINDERMERE RUN O FALLON IL 622697021, O FALLON, IL 62269-7021

Mortgage

Document Number	00A2667579
Date	Sep 18, 2020
Instrument	2667579

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	PO BOX, O FALLON, IL 62269

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 17, 2030

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	1146 WINDERMERE RUN, O FALLON, IL 62269-7021
Document Number	00A2655399
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	BENEDICK TITLE, BENEDICK TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 WINDERMERE RUN O FALLON IL 622697021, O FALLON, IL 62269-7021

Mortgage

Document Number	00A2655399
Date	Jun 23, 2020
Instrument	2655399

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O FALLON, IL 62269-8626

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 22, 2030

Interest

Rate Type	Adjustable Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 1146 Windermere Run was $13,858 with exemptions applied.

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	$13,858.00	$203,252 Land $29,702 Building $173,550	$609,756 Land $89,106 Building $520,650
2022		$149,664 Land $22,109 Building $127,555	$448,992 Land $66,327 Building $382,665

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 1146 Windermere Run; there have been 2 flood claims nearby since 2018.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018–2023)
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 1146 Windermere Run 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 97% of the US · lower than 79% 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 92 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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