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

St. Clair County property record for 404 Flagstone Pass Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	1,298 sqft · built 2017
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$406,000 (Nov 2017)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2017 Sale & Mortgage
APN	`03-13-0-203-003`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-203-003`

Interior

Stories	2 Stories
Building Area	1,298 sqft
Gross Area	3,121 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Brick/Stone
Lot Area	65,776 sqft (1.51 acres)
Garage Type	Attached
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	404 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 24 A02558146
Legal Subdivision	RESERVES/TIMBER RDG PH 2A
Legal Phase	2
Legal Lot Number	24
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3018
Census Tract	503404

Owner

Source: St. Clair County records, as of August 23, 2023

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	404 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · VA Mortgage DELMAR FINANCIAL CO
Nov 13, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage DELMAR FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2017 · Amount on Record
Deed Sale	Nov 13, 2017 · Amount on Record
Prior Sale	Nov 13, 2017 · Amount on Record
Deed Document Number	A02558146
Record Updated	Jun 7, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	404 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02712757
Date	Aug 17, 2021
Instrument	A02712757

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.5%

November 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Nov 13, 2017
Property Address	404 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2558146
Instrument Date	Nov 9, 2017
Instrument	2558146
Transaction Type	Subdivision Related Transfer
Record Updated	May 7, 2018
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$609.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1014 ORIOLE DR O FALLON IL 622693541, O FALLON, IL 62269-3541

Mortgage

Document Number	A2558147
Date	Nov 13, 2017
Instrument	2558147

Lender

Name	DELMAR FIN'L
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2032

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2022

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
2022	$172,211 Land $46,918 Building $125,293	$516,633 Land $140,754 Building $375,879

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	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

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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