St. Clair County property record for 424 Flagstone Pass Dr, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,560 sqft · built 2017 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $416,500 (May 2017) |
| Deeds & Mortgages | Feb 2021 Mortgage Feb 2020 Mortgage + 1 more |
| APN | 03-13-0-203-008 |
| Primary APN | 03-13-0-203-008 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,560 sqft Living Area |
| Basement Area | 2,560 sqft |
| Unfinished Basement | 2,560 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Type | Attached |
| Garage Area | 726 sqft |
| Porch | Porch |
| Porch Area | 768 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|
| Street Address | 424 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 29 A02536322 |
| Legal Subdivision | RESERVES AT TIMBER RIDGE |
| Legal Phase | 2 |
| Legal Block | 203 |
| Legal Lot Number | 29 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | CASEYVILLE |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 503404 |
424 Flagstone Pass Dr is owned and occupied by two individuals who bought it in May 2017.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 424 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.
| Date | Document |
|---|---|
| Feb 12, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 10, 2020 | Deed of Trust, Mortgage · VA Mortgage AMERICAN PORTFOLIO MTG |
| May 9, 2017 | Grant Deed, Subdivision Related Transfer · VA Mortgage GERSHMAN MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2017 · Amount on File |
| Deed Sale | May 9, 2017 · Amount on File |
| Prior Sale | Mar 22, 2017 · Amount on File |
| Deed Document Number | 20172536322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 424 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0A02687447 |
|---|---|
| Date | Feb 12, 2021 |
| Instrument | A02687447 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 424 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | 00A2642755 |
| Instrument Date | Feb 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2020 |
| Title Company | ADVANCED TITLE SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 424 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437 |
| Document Number | 00A2642755 |
|---|---|
| Date | Feb 19, 2020 |
| Instrument | 2642755 |
| Name | AMERICAN PORTFOLIO MTG |
|---|---|
| Type | Mortgage Company |
| Address | PALATINE, IL 60074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 18, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | May 9, 2017 |
| Property Address | 424 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | 00A2536322 |
| Instrument Date | May 8, 2017 |
| Instrument | 2536322 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 2, 2017 |
| Title Company | ADVANCED TITLE SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $624.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 424 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437 |
| Document Number | A2536323 |
|---|---|
| Date | May 9, 2017 |
| Instrument | 2536323 |
| Name | GERSHMAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2047 |
| Rate | 3.75% |
|---|
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $208,329 Land $36,015 Building $172,314 | $624,987 Land $108,045 Building $516,942 |
| 2022 | $155,279 Land $28,336 Building $126,943 | $465,837 Land $85,008 Building $380,829 |
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.
FEMA has no flood map on file for 424 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.
The area around 424 Flagstone Pass Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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