404 Willow Dr, O Fallon, IL 62269 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1,181 sqft · built 1966
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Sep 2021)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2021 Sale & Line of Credit
APN	`04-30-0-104-012`

Property Details

APN / Parcel Number

Primary APN	`04-30-0-104-012`

Interior

Stories	1 Story
Building Area	1,181 sqft Living Area
Gross Area	1,421 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,970 sqft (0.16 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Deck Area	24,000 sqft
Patio Area	240 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	404 WILLOW DR
City	O FALLON
State	IL
Zip	62269-1079
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTBROOK 3RD ADD LOT/SEC-101 A02732041
Legal Subdivision	WESTBROOK
Legal Lot Number	101
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1010
Census Tract	504354

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	Company Name on Record
Mailing Address	5988 MID RIVERS MALL DR STE 135, 135, SAINT PETERS, MO 63304-8303
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Quit Claim Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI
Sep 9, 2021	Warranty Deed, Transfer · Line of Credit BRANDON KOWALSKI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on Record
Deed Sale	Sep 9, 2021 · Amount on Record
Prior Sale	Sep 9, 2021 · Amount on Record
Deed Document Number	0A02715806
Last Transfer Date	Jan 3, 2022
Transfer Doc	0A02732041
Record Updated	Jun 7, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jan 3, 2022
Property Address	404 WILLOW DR, O FALLON, IL 62269-1079
Document Number	0A02732041
Map Reference	MB 59 PG 52
Instrument Date	Dec 8, 2021
Instrument	A02732041
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5988 MID RIVERS MALL DR STE 135, 135, SAINT PETERS, MO 63304-8303

Mortgage

Document Number	0A02732042
Date	Jan 3, 2022
Instrument	A02732042

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Dec 15, 2026

Interest

Rate	4.25%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 9, 2021
Property Address	404 WILLOW DR, O FALLON, IL 62269-1079
Document Number	0A02715806
Map Reference	MB 59 PG 52
Instrument Date	Aug 9, 2021
Instrument	A02715806
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5988 MID RIVERS MALL DR STE 135, 135, SAINT PETERS, MO 63304-8303
Investor	Possibly a Property Investor

Mortgage

Document Number	0A02715807
Date	Sep 9, 2021
Instrument	A02715807

Lender

Name	BRANDON KOWALSKI
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	O'Fallon 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	$39,307 Land $6,797 Building $32,510	$117,921 Land $20,391 Building $97,530

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1990–2022)
Claims Outside the SFHA	3 of 3
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	Not rated no burnable land within 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 434 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave, i3 Broadband.

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