St. Clair County property record for 432 Flagstone Pass Dr, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 6 ba · 1,258 sqft · built 2017 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (Jun 2023) |
| Tax Bill | $15,504 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Nov 2021 Mortgage + 5 more |
| APN | 03-13-0-203-010 |
| Primary APN | 03-13-0-203-010 |
|---|
| Full Baths | 6 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,258 sqft Living Area |
| Basement Area | 1,748 sqft |
| Unfinished Basement | 1,748 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Area | 859 sqft |
| Porch | Porch |
| Porch Area | 734 sqft |
| Patio Area | 84 sqft |
| Cooling System | Central |
|---|
| Street Address | 432 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 31 A02784250 |
| Legal Subdivision | RESERVES AT TIMBER RIDGE |
| Legal Phase | 2 |
| Legal Block | 203 |
| Legal Lot Number | 31 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | CASEYVILLE |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 503404 |
432 Flagstone Pass Dr is owned and occupied by two individuals who bought it in June 2023.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 432 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 |
|---|---|
| Jun 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC |
| Nov 16, 2021 | Deed of Trust, Mortgage · VA Mortgage CARROLLTON BANK |
| Sep 23, 2021 | Warranty Deed, Transfer · Commercial Mortgage CARROLLTON BANK |
| Aug 17, 2021 | Deed of Trust, Mortgage · Commercial Mortgage CARROLLTON BANK |
| Oct 26, 2020 | Deed of Trust, Mortgage · VA Mortgage KS STATEBANK |
| Dec 30, 2019 | Deed of Trust, Mortgage · VA Mortgage KS STATEBANK |
| May 2, 2019 | Warranty Deed, Transfer · VA Mortgage GUILD MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2023 · Amount on File |
| Deed Sale | Jun 21, 2023 · Amount on File |
| Prior Sale | Sep 23, 2021 · Amount on File |
| Deed Document Number | 20232784250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Jun 21, 2023 |
| Property Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | 0A02784250 |
| Map Reference | DOC A02517064 |
| Instrument Date | Jun 20, 2023 |
| Instrument | A02784250 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2023 |
| Title Company | PINNACLE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $620.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | 0A02784251 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | A02784251 |
| Name | PREMIA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate | 6.5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Name | Verified Name |
|---|
| Document Number | A02725993 |
|---|---|
| Date | Nov 16, 2021 |
| Instrument | A02725993 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | O FALLON, IL 62269 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Sep 23, 2021 |
| Property Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | A02717829 |
| Map Reference | DOC A02517064 |
| Instrument Date | Sep 15, 2021 |
| Instrument | A02717829 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2021 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $832.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | A02717830 |
|---|---|
| Date | Sep 23, 2021 |
| Instrument | A02717830 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Name | Verified Name |
|---|
| Document Number | A02712756 |
|---|---|
| Date | Aug 17, 2021 |
| Instrument | A02712756 |
| Name | CARROLLTON BANK |
|---|---|
| Type | Bank |
| Address | O FALLON, IL 62269 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | 00A2683159 |
| Instrument Date | Oct 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 432 FLAGSTONE DR O FALLON IL 62269, O FALLON, IL 62269 |
| Document Number | 00A2683159 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 2683159 |
| Name | KS STATEBANK |
|---|---|
| Address | MANHATTAN, KS 66502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 11, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | 00A2638571 |
| Instrument Date | Dec 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2020 |
| Title Company | WORLDWIDE RECORDING INC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 432 FLAGSTONE PASS DR O FALLON IL 622697437, O FALLON, IL 62269-7437 |
| Document Number | 00A2638571 |
|---|---|
| Date | Jan 7, 2020 |
| Instrument | 2638571 |
| Name | KS STATEBANK |
|---|---|
| Address | MANHATTAN, KS 66502 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 6, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | May 2, 2019 |
| Property Address | 432 FLAGSTONE PASS DR, O FALLON, IL 62269-7437 |
| Document Number | 00A2611645 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 2611645 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2019 |
| Title Company | COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $704.85 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1404 CEDAR RIDGE DR O FALLON IL 622694231, O FALLON, IL 62269-4231 |
| Document Number | A2611646 |
|---|---|
| Date | May 2, 2019 |
| Instrument | 2611646 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
| Rate | 4% |
|---|
The 2025 property tax bill for 432 Flagstone Pass Dr was $15,504, up 8.8% from the year before.
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,504.00 (+8.82%) | $219,899 (+10.11%) Land $33,941 Building $185,958 | $659,697 (+10.11%) Land $101,823 Building $557,874 |
| 2024 | $14,247.00 | $199,709 Land $30,825 Building $168,884 | $599,127 Land $92,475 Building $506,652 |
| 2022 | $8,485.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $166,279 (+5.36%) Land $25,758 Building $140,521 | $498,837 (+5.36%) Land $77,274 Building $421,563 |
| 2021 | $157,820 Land $24,448 Building $133,372 | $473,460 Land $73,344 Building $400,116 |
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 432 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 432 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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