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

St. Clair County property record for 405 Flagstone Pass Dr, O Fallon, IL 62269 · Last verified August 2023

Property Summary

Property Type	Single Family Home
Details	1,528 sqft · built 2017
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on File
Last Sale	$620,500 (Jun 2017)
Deeds & Mortgages	Jun 2023 Mortgage Jul 2021 Mortgage + 1 more
APN	`03-13-0-201-022`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-201-022`

Interior

Stories	2 Stories
Building Area	1,528 sqft
Gross Area	3,574 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Wood
Lot Area	61,855 sqft (1.42 acres)
Garage Area	837 sqft
Porch	Porch
Porch Area	884 sqft
Patio Area	976 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	405 FLAGSTONE PASS DR
City	O FALLON
State	IL
Zip	62269-7438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESERVES AT TIMBER RIDGE PHASE 2 LOT 22 A02539891
Legal Subdivision	RESERVES/TIMBER RDG PH 2A
Legal Phase	2
Legal Lot Number	22
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3018
Census Tract	503404

Owner

Source: St. Clair County records · APN 03-13-0-201-022

Assessment roll updated January 1, 2022 · Last verified August 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 File
Mailing Address	405 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 07, 2023	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 15, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN MORTGAGE CORP
Jun 13, 2017	Grant Deed, Subdivision Related Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 13, 2017 · Amount on Record
Deed Sale	Jun 13, 2017 · Amount on Record
Prior Sale	Apr 10, 2017 · Amount on Record
Deed Document Number	A02539891
Record Updated	Jun 07, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	405 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 FLAGSTONE PASS DR, O FALLON, IL 62269-7438

Mortgage

Document Number	0A02783101
Date	Jun 07, 2023
Instrument	A02783101

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Aug 01, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	405 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Transaction Type	Mortgage
Record Updated	Aug 05, 2022
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02708017
Date	Jul 15, 2021
Instrument	A02708017

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 13, 2017
Property Address	405 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Document Number	00A2539891
Instrument Date	Jun 12, 2017
Instrument	2539891
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 02, 2017
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
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	405 FLAGSTONE PASS DR O FALLON IL 622697438, O FALLON, IL 62269-7438

Mortgage

Document Number	A2539892
Date	Jun 13, 2017
Instrument	2539892

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated January 1, 2022 · Last verified August 2023

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

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.

Year	Assessed Value	Assessed Market Value
2022	$212,082 Land $45,857 Building $166,225	$636,246 Land $137,571 Building $498,675

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171635034043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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, rainfall accumulation, Severe Storm And Flooding

Wildfire

Wildfire Risk	Low above 6% of the US · above 38% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 165 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Wisper ISP	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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