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

St. Clair County property record for 408 Flagstone Pass Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,364 sqft · built 2017
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on Record
Last Sale	$366,500 (Mar 2017)
Tax Bill	$13,391 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Aug 2020 Mortgage + 3 more
APN	`03-13-0-203-004`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-203-004`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,364 sqft Living Area
Basement Area	1,696 sqft
Unfinished Basement	1,696 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Garage Area	144 sqft
Porch	Porch
Porch Area	680 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	408 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 25 A02529837
Legal Subdivision	RESERVES AT TIMBER RIDGE
Legal Phase	2
Legal Block	203
Legal Lot Number	25
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 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	408 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · Line of Credit FCB BANKS
Aug 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION
Feb 4, 2019	Deed of Trust, Mortgage · Line of Credit FCB BK
Mar 14, 2017	Grant Deed, Subdivision Related Transfer · Conventional with PMI DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2017 · Amount on Record
Deed Sale	Mar 14, 2017 · Amount on Record
Prior Sale	Jan 10, 2017 · Amount on Record
Deed Document Number	20172529837
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Transaction Type	Mortgage
Record Updated	Dec 22, 2023
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS AND TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02799833
Date	Dec 6, 2023
Instrument	A02799833

Lender

Name	FCB BANKS
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2662974
Instrument Date	Aug 12, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437

Mortgage

Document Number	00A2662974
Date	Aug 20, 2020
Instrument	2662974

Lender

Name	FCB BANKS
Address	COLLINSVILLE, IL 62234

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2649217
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 18, 2020
Title Company	NETCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	408 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437

Mortgage

Document Number	00A2649217
Date	Apr 27, 2020
Instrument	2649217

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 26, 2035

Interest

Rate Type	Fixed Rate
Rate	2.62%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	408 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2607977
Instrument Date	Feb 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	408 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437

Mortgage

Document Number	00A2607977
Date	Mar 28, 2019
Instrument	2607977

Lender

Name	FCB BK
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Mar 14, 2017
Property Address	408 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2529837
Instrument Date	Mar 10, 2017
Instrument	2529837
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 2, 2017
Title Company	ADVANCE TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$549.00
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	408 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437

Mortgage

Document Number	A2529838
Date	Mar 14, 2017
Instrument	2529838

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$13,391.00	$195,939 (+27.67%) Land $45,561 Building $150,378	$587,817 (+27.67%) Land $136,683 Building $451,134
2022		$153,479 Land $35,924 Building $117,555	$460,437 Land $107,772 Building $352,665

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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