400 Windsor Forrest Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 400 Windsor Forrest Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,345 sqft · built 2004
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on File
Last Sale	$309,000 (Aug 2018)
Tax Bill	$10,538 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2020 Mortgage + 1 more
APN	`03-13-0-403-004`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-403-004`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	2,345 sqft Living Area
Basement Area	3,545 sqft
Finished Basement	1,200 sqft
Unfinished Basement	1,145 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Frame
Lot Area	42,253 sqft (0.97 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	400 WINDSOR FORREST RD
City	O FALLON
State	IL
Zip	62269-6931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDERMIRE RIDGE SUBPHASE 1 LOT/SEC-19 A02586856
Legal Subdivision	WINDERMIRE RIDGE SUB
Legal Phase	1
Legal Block	403
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3053
Census Tract	503404

Owner

400 Windsor Forrest Rd is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	400 WINDSOR FORREST RD, O FALLON, IL 62269-6931
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
Mar 16, 2023	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG CORP
Aug 16, 2018	Warranty Deed, Transfer · Conventional Mortgage REGIONS MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2018 · Amount on File
Deed Sale	Aug 16, 2018 · Amount on File
Prior Sale	Jul 27, 2016 · Amount on File
Deed Document Number	20182586856
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	400 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Transaction Type	Mortgage
Record Updated	Apr 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02776158
Date	Mar 16, 2023
Instrument	A02776158

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Mar 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	400 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Document Number	00A2664742
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 WINDSOR FORREST RD O FALLON IL 622696931, O FALLON, IL 62269-6931

Mortgage

Document Number	00A2664742
Date	Aug 31, 2020
Instrument	2664742

Lender

Name	AMERICAN MTG CORP
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 16, 2018
Property Address	400 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Document Number	00A2586856
Instrument Date	Aug 13, 2018
Instrument	2586856
Transaction Type	Transfer
Record Updated	Sep 6, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$463.50
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	400 WINDSOR FORREST RD O FALLON IL 622696931, O FALLON, IL 62269-6931

Mortgage

Document Number	A2586857
Date	Aug 16, 2018
Instrument	2586857

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 400 Windsor Forrest Rd was $10,538.

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	$10,538.00	$149,467 Land $33,959 Building $115,508	$448,401 Land $101,877 Building $346,524
2022		$108,668 Land $26,745 Building $81,923	$326,004 Land $80,235 Building $245,769

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 Windsor Forrest Rd; 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 Windsor Forrest Rd 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	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 126 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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