433 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 433 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	1,152 sqft · built 1992
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Apr 2020)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
APN	`04-20-0-107-025`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-107-025`

Interior

Stories	2 Stories
Building Area	1,152 sqft Living Area
Gross Area	2,955 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	10,890 sqft (0.25 acres)
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	432 sqft
Deck Area	19,200 sqft
Patio Area	192 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	433 SCHWARZ RD
City	O FALLON
State	IL
Zip	62269-6713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDING CREEK ESTATES LOT/SEC-54 DOC A02649210
Legal Subdivision	WINDING CREEK ESTATES
Legal Lot Number	54
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2041
Census Tract	504353

Owner

Source: St. Clair County records, as of August 23, 2023

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	433 SCHWARZ RD, O FALLON, IL 62269-6713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2020 · Amount on Record
Deed Sale	Apr 27, 2020 · Amount on Record
Prior Sale	Jul 28, 2004 · Amount on Record
Deed Document Number	A02649210
Record Updated	Jun 7, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Apr 27, 2020
Property Address	433 SCHWARZ RD, O FALLON, IL 62269-6713
Document Number	00A2649210
Instrument Date	Apr 23, 2020
Instrument	2649210
Transaction Type	Transfer
Record Updated	May 18, 2020
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$398.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	306 E WESLEY DR O FALLON IL 622691351, O FALLON, IL 62269-1351

Mortgage

Document Number	A2649211
Date	Apr 27, 2020
Instrument	2649211

Lender

Name	DELMAR FIN'L
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	O'Fallon 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	Assessed Value	Assessed Market Value
2022	$90,162 Land $12,983 Building $77,179	$270,486 Land $38,949 Building $231,537

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018–2023)
Most Recent Claim	Jul 2023 · rainfall accumulation

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 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Wisper ISP Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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