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

St. Clair County property record for 412 Flagstone Pass Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,088 sqft · built 2018
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Feb 2018)
Tax Bill	$15,505 (2025)
Deeds & Mortgages	Jun 2021 Transfer Feb 2021 Mortgage + 1 more
APN	`03-13-0-203-005`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-203-005`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	4,088 sqft Living Area
Basement Area	2,588 sqft
Finished Basement	2,588 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	20,909 sqft (0.48 acres)
Garage Area	722 sqft
Porch	Porch
Porch Area	708 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	412 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 26 A02703162
Legal Subdivision	RESERVES AT TIMBER RIDGE
Legal Phase	2
Legal Block	203
Legal Lot Number	26
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	412 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Intrafamily Transfer, Transfer ATTORNEY
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARROLLTON BANK
Feb 6, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI FCB BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2018 · Amount on Record
Deed Sale	Feb 6, 2018 · Amount on Record
Prior Sale	Feb 6, 2018 · Amount on Record
Deed Document Number	20182566714
Last Transfer Date	May 26, 2021
Transfer Doc	0002703162
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Jun 15, 2021
Property Address	412 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	A02703162
Map Reference	DOC A02517064
Instrument Date	May 26, 2021
Instrument	A02703162
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	412 FLAGSTONE PASS DR, O FALLON, IL 62269-7437

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	412 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02687069
Date	Feb 9, 2021
Instrument	A02687069

Lender

Name	CARROLLTON BANK
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

February 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 6, 2018
Property Address	412 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2566714
Instrument Date	Feb 2, 2018
Instrument	2566714
Transaction Type	Subdivision Related Transfer
Record Updated	May 7, 2018
Title Company	ADVANCE TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
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	1450 ARBOR GREEN TRL O FALLON IL 622696791, O FALLON, IL 62269-6791

Mortgage

Document Number	A2566715
Date	Feb 6, 2018
Instrument	2566715

Lender

Name	FCB BK
Type	Bank
Address	TROY, IL 62294

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2048

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	$15,505.00	$225,918 (+36.58%) Land $41,811 Building $184,107	$677,754 (+36.58%) Land $125,433 Building $552,321
2022		$165,415 Land $32,805 Building $132,610	$496,245 Land $98,415 Building $397,830

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

Nearby Properties on Flagstone Pass Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures