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

St. Clair County property record for 416 Flagstone Pass Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,420 sqft · built 2017
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$394,500 (Jul 2017)
Tax Bill	$12,904 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2018 Line of Credit
APN	`03-13-0-203-006`

Property Details

APN / Parcel Number

Primary APN	`03-13-0-203-006`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	3,420 sqft Living Area
Basement Area	2,280 sqft
Finished Basement	2,280 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	16,553 sqft (0.38 acres)
Garage Area	807 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	416 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 27 A02544652
Legal Subdivision	RESERVES AT TIMBER RIDGE
Legal Phase	2
Legal Block	203
Legal Lot Number	27
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	3
Census Block	3018
Census Tract	503404

Owner

416 Flagstone Pass Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	416 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
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
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Nov 2, 2018	Deed of Trust, Mortgage · Line of Credit SCOTT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2017 · Amount on File
Deed Sale	Jul 25, 2017 · Amount on File
Prior Sale	Apr 10, 2017 · Amount on File
Deed Document Number	20172544652
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	416 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02694932
Date	Apr 8, 2021
Instrument	A02694932

Lender

Name	FCB BANKS
Type	Bank
Address	COLLINSVILLE, IL 62234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate	2.62%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	416 FLAGSTONE PASS DR, O FALLON, IL 62269-7437
Document Number	00A2597427
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	416 FIAGSTONE PASS DR O FALLON IL 62269, O FALLON, IL 62269

Mortgage

Document Number	00A2597427
Date	Nov 28, 2018
Instrument	2597427

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 27, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 416 Flagstone Pass Dr was $12,904 with a homeowner's exemption.

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	$12,904.00	$189,021 Land $34,059 Building $154,962	$567,063 Land $102,177 Building $464,886
2022		$146,591 Land $26,013 Building $120,578	$439,773 Land $78,039 Building $361,734

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 416 Flagstone Pass 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 416 Flagstone Pass 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 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

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