415 Larkway Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 415 Larkway Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,341 sqft · built 2005
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$264,000 (Oct 2019)
Tax Bill	$9,666 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2021 Line of Credit + 2 more
APN	`03-13-0-401-039`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-401-039`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,341 sqft Living Area
Basement Area	1,341 sqft
Finished Basement	1,341 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	506 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	415 LARKWAY DR
City	O FALLON
State	IL
Zip	62269-6506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE BLUFFS AT OGLES CREEK LOT 28 A02630250
Legal Subdivision	THE BLUFFS AT OGLES CREEK
Legal Block	401
Legal Lot Number	28
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3049
Census Tract	503404

Owner

415 Larkway Dr is owned and occupied by an individual who bought it in October 2019.

Source: St. Clair County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	415 LARKWAY DR, O FALLON, IL 62269-6506
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 17, 2021	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Oct 11, 2019	Deed of Trust, Mortgage · Conventional with PMI FCB BK
Oct 15, 2019	Warranty Deed, Transfer · Conventional with PMI FCB BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2019 · Amount on File
Deed Sale	Oct 15, 2019 · Amount on File
Prior Sale	Apr 21, 2006 · Amount on File
Deed Document Number	20192630250
Prior Transfer Date	Apr 19, 2006
Prior Transfer Doc	4322/0868
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	415 LARKWAY DR, O FALLON, IL 62269-6506
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 LARKWAY DR, O FALLON, IL 62269-6506

Mortgage

Document Number	0A02878651
Date	Mar 27, 2026
Instrument	A02878651

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate	5.62%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	415 LARKWAY DR, O FALLON, IL 62269-6506
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02700295
Date	May 17, 2021
Instrument	A02700295

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 16, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	415 LARKWAY DR, O FALLON, IL 62269-6506
Document Number	00A2630251
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	PROFESSIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 LARKWAY DR O FALLON IL 622696506, O FALLON, IL 62269-6506

Mortgage

Document Number	00A2630251
Date	Oct 15, 2019
Instrument	2630251

Lender

Name	FCB BK
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2049

Interest

Rate	3.5%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 15, 2019
Property Address	415 LARKWAY DR, O FALLON, IL 62269-6506
Document Number	00A2630250
Instrument Date	Sep 27, 2019
Instrument	2630250
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	PROFESSIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 LARKWAY DR O FALLON IL 622696506, O FALLON, IL 62269-6506

Mortgage

Document Number	A2630251
Date	Oct 15, 2019
Instrument	2630251

Lender

Name	FCB BK
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 14, 2049

Interest

Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 415 Larkway Dr was $9,666, up 8.8% from the year before.

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	$9,666.00 (+8.81%)	$137,108 (+10.11%) Land $22,530 Building $114,578	$411,324 (+10.11%) Land $67,590 Building $343,734
2024	$8,883.00	$124,519 Land $20,461 Building $104,058	$373,557 Land $61,383 Building $312,174
2022		$99,771 Land $17,745 Building $82,026	$299,313 Land $53,235 Building $246,078

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

FEMA has no flood map on file for 415 Larkway Dr; there have been 1 flood claim nearby since 2022.

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

Wildfire risk around 415 Larkway Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Wisper ISP.

Nearby Properties on Larkway Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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