404 Larkway Dr, O Fallon, IL 62269 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,915 sqft · built 2004
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Oct 2021)
Tax Bill	$8,047 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Apr 2020 Line of Credit + 2 more
APN	`03-13-0-401-028`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-401-028`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	1,915 sqft Living Area
Basement Area	1,915 sqft
Unfinished Basement	1,915 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Mixed
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	414 sqft
Deck Area	220 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	404 LARKWAY DR
City	O FALLON
State	IL
Zip	62269-6508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE BLUFFS AT OGLES CREEK LOT 36 IN A02721846
Legal Subdivision	THE BLUFFS AT OGLES CREEK
Legal Block	401
Legal Lot Number	36
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3049
Census Tract	503404

Owner

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

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 LARKWAY DR, O FALLON, IL 62269-6508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2021	Warranty Deed, Transfer · VA Mortgage FCB BANKS
Apr 1, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF O'FALLON
Oct 8, 2019	Quit Claim Deed, Transfer · Line of Credit TEMPO BK
Feb 15, 2017	Deed of Trust, Mortgage · Line of Credit 1ST MIDAMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2021 · Amount on Record
Deed Sale	Oct 15, 2021 · Amount on Record
Prior Sale	Aug 20, 2015 · Amount on Record
Deed Document Number	20212721846
Prior Transfer Date	Sep 24, 2019
Prior Transfer Doc	00A2629463
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 15, 2021
Property Address	404 LARKWAY DR, O FALLON, IL 62269-6508
Document Number	A02721846
Map Reference	MB 104 PG 31&32
Instrument Date	Oct 14, 2021
Instrument	A02721846
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$427.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 LARKWAY DR, O FALLON, IL 62269-6508

Mortgage

Document Number	A02721847
Date	Oct 15, 2021
Instrument	A02721847

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate	2.37%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	404 LARKWAY DR, O FALLON, IL 62269-6508
Document Number	00A2648099
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	BENEDICK TITLE, BENEDICK TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LARKWAY DR O FALLON IL 622696508, O FALLON, IL 62269-6508

Mortgage

Document Number	00A2648099
Date	Apr 14, 2020
Instrument	2648099

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 13, 2030

Interest

Rate Type	Adjustable Rate
Rate	3.25%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 8, 2019
Property Address	404 LARKWAY DR, O FALLON, IL 62269-6508
Document Number	00A2629463
Instrument Date	Sep 24, 2019
Instrument	2629463
Transaction Type	Transfer
Record Updated	Oct 28, 2019
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Tax	$69.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 LARKWAY DR O FALLON IL 622696508, O FALLON, IL 62269-6508

Mortgage

Document Number	A2629464
Date	Oct 8, 2019
Instrument	2629464

Lender

Name	TEMPO BK
Type	Bank
Address	TRENTON, IL 62293

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 7, 2024

Interest

Rate Type	Adjustable Rate
Rate	3.75%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	404 LARKWAY DR, O FALLON, IL 62269-6508
Document Number	00A2529110
Instrument Date	Feb 15, 2017
Transaction Type	Mortgage
Record Updated	Mar 29, 2017
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE & ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 LARKWAY DR O FALLON IL 622696508, O FALLON, IL 62269-6508

Mortgage

Document Number	00A2529110
Date	Mar 7, 2017
Instrument	2529110

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	EAST ALTON, IL 62024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 6, 2032

Interest

Rate Type	Adjustable Rate

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,047.00	$114,139 (+36.22%) Land $23,153 Building $90,986	$342,417 (+36.22%) Land $69,459 Building $272,958
2022		$83,791 Land $18,235 Building $65,556	$251,373 Land $54,705 Building $196,668

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 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wisper ISP.

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