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

St. Clair County property record for 401 Windsor Forrest Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,336 sqft · built 2004
Lot Size	0.84 acres (36,590 sqft)
Owner	Individual Name on File
Last Sale	$511,000 (Oct 2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Sep 2026 Mortgage + 2 more
APN	`03-13-0-403-005`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-403-005`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,336 sqft Living Area
Upper Floors Area	19 sqft
Basement Area	1,662 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
Foundation Type	Slab (Mat/Raft)
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Mixed
Garage Area	581 sqft
Parking Spaces	2 Parking Spaces
Deck Area	312 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	401 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-18 A02776445
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

401 Windsor Forrest Rd is owned and occupied by an individual who bought it in October 2026.

Source: St. Clair County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	401 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
Oct 1, 2026	Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL COMPANY
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST BANKCENTRE
Jan 24, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 20, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Mar 20, 2023 · Amount on File
Deed Document Number	2026A02897183
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 1, 2026
Property Address	401 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Document Number	0002897183
Instrument Date	Sep 28, 2026
Instrument	20262897183
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77,416.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 WINDSOR FORREST RD, O FALLON, IL 62269-6931

Mortgage

Date	Oct 1, 2026

Lender

Name	DELMAR FINANCIAL COMPANY

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Sep 9, 2026
Property Address	401 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Document Number	0002895012
Instrument Date	Sep 4, 2026
Instrument	20262895012
Transaction Type	Mortgage
Record Updated	Sep 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 WINDSOR FORREST RD, O FALLON, IL 62269-6931

Mortgage

Document Number	0002895012,
Date	Sep 9, 2026
Instrument	20262895012

Lender

Name	MIDWEST BANKCENTRE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 28, 2046

Interest

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

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	401 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Transaction Type	Mortgage
Record Updated	Feb 8, 2024
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02803632
Date	Jan 24, 2024
Instrument	A02803632

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.12%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 20, 2023
Property Address	401 WINDSOR FORREST RD, O FALLON, IL 62269-6931
Document Number	0A02776445
Map Reference	MB 103 PG 60
Instrument Date	Mar 13, 2023
Instrument	A02776445
Transaction Type	Transfer
Record Updated	Apr 5, 2023
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.00
Amount Accuracy	Rounded by County
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	1025 CHELSEA AVE # LA, LA, SAINT LOUIS, MO 63122-3214

Mortgage

Document Number	0A02776446
Date	Mar 20, 2023
Instrument	A02776446

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

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	$141,481 Land $32,575 Building $108,906	$424,443 Land $97,725 Building $326,718
2022	$106,893 Land $25,654 Building $81,239	$320,679 Land $76,962 Building $243,717

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 401 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 401 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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