400 Flagstone Pass Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 400 Flagstone Pass Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,529 sqft · built 2017
Lot Size	2.62 acres (114,127 sqft)
Owner	2 Individual Names on File
Last Sale	$570,500 (May 2017)
Tax Bill	$19,866 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2017 Sale & Mortgage
APN	`03-13-0-203-002`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-203-002`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,529 sqft Living Area
Basement Area	2,481 sqft
Unfinished Basement	2,481 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	114,127 sqft (2.62 acres)
Garage Type	Attached
Garage Area	830 sqft
Porch	Porch
Porch Area	548 sqft
Patio Area	87 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	400 FLAGSTONE PASS DR
City	O FALLON
State	IL
Zip	62269-7437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVES AT TIMBER RIDGE PHASE 2 LOT 23 A02535614
Legal Subdivision	RESERVES AT TIMBER RIDGE
Legal Phase	2
Legal Block	203
Legal Lot Number	23
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3018
Census Tract	503404

Owner

400 Flagstone Pass Dr is owned and occupied by two individuals who bought it in May 2017.

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	2 Individual Names on File
Mailing Address	400 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN MTG
May 3, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	Mar 2, 2017 · Amount on File
Deed Document Number	20172535614
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	400 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2649619
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	400 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437

Mortgage

Document Number	00A2649619
Date	Apr 30, 2020
Instrument	2649619

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 3, 2017
Property Address	400 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2535614
Instrument Date	Apr 28, 2017
Instrument	2535614
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 2, 2017
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$855.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	400 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437

Mortgage

Document Number	A2535615
Date	May 3, 2017
Instrument	2535615

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	May 2, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 400 Flagstone Pass Dr was $19,866 with a homeowner's exemption.

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	$19,866.00	$287,774 Land $61,538 Building $226,236	$863,322 Land $184,614 Building $678,708
2022		$214,652 Land $46,864 Building $167,788	$643,956 Land $140,592 Building $503,364

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 400 Flagstone Pass Dr; there have been 1 flood claim nearby since 2022.

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	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · Severe Storm And Flooding

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 400 Flagstone Pass Dr 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 94% of the US · lower than 61% 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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Wisper ISP Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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