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

St. Clair County property record for 409 Flagstone Pass Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,402 sqft · built 2017
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,500 (May 2017)
Tax Bill	$716 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Dec 2019 Mortgage + 1 more
APN	`03-13-0-201-021`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-201-021`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,402 sqft Living Area
Basement Area	1,672 sqft
Unfinished Basement	1,672 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	21,344 sqft (0.49 acres)
Garage Area	792 sqft
Porch	Porch
Porch Area	784 sqft
Patio Area	161 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	409 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 21 A02537563
Legal Subdivision	RESERVES AT TIMBER RIDGE
Legal Phase	2
Legal Block	201
Legal Lot Number	21
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	409 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · VA Mortgage DELMAR FIN'L
Dec 26, 2019	Deed of Trust, Mortgage · VA Mortgage DELMAR FIN'L
May 22, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on Record
Deed Sale	May 22, 2017 · Amount on Record
Prior Sale	Mar 22, 2017 · Amount on Record
Deed Document Number	20172537563
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	409 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Document Number	00A2674389
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 FLAGSTONE PASS DR O FALLON IL 622697438, O FALLON, IL 62269-7438

Mortgage

Document Number	00A2674389
Date	Nov 5, 2020
Instrument	2674389

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	409 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Document Number	00A2638043
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 FLAGSTONE PASS DR O FALLON IL 622697438, O FALLON, IL 62269-7438

Mortgage

Document Number	00A2638043
Date	Dec 31, 2019
Instrument	2638043

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2049

Interest

Rate Type	Fixed Rate
Rate	3%

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 22, 2017
Property Address	409 FLAGSTONE PASS DR, O FALLON, IL 62269-7438
Document Number	00A2537563
Instrument Date	May 19, 2017
Instrument	2537563
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 2, 2017
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$614.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 FLAGSTONE PASS DR O FALLON IL 622697438, O FALLON, IL 62269-7438

Mortgage

Document Number	A2537564
Date	May 22, 2017
Instrument	2537564

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2047

Interest

Rate	3.75%

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	$716.00	$196,513 (+29.11%) Land $42,008 Building $154,505	$589,539 (+29.11%) Land $126,024 Building $463,515
2022		$152,210 Land $32,931 Building $119,279	$456,630 Land $98,793 Building $357,837

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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