437 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 437 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,092 sqft · built 1994
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$279,000 (Feb 2022)
Tax Bill	$6,602 (2024)
Deeds & Mortgages	Jun 2026 Transfer Feb 2022 Sale & Mortgage + 3 more
APN	`04-20-0-107-026`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-107-026`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,092 sqft Living Area
Upper Floors Area	26 sqft
Basement Area	1,004 sqft
Unfinished Basement	1,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Mixed
Garage Area	332 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	437 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-53 DOC A02737526
Legal Subdivision	WINDING CREEK
Legal Block	107
Legal Lot Number	53
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 June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	437 SCHWARZ RD, O FALLON, IL 62269-6713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Quit Claim Deed, Transfer Quitclaim
Feb 25, 2022	Warranty Deed, Transfer · Commercial Mortgage BANK OF OFALLON
Sep 13, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 16, 2017	Trustee's Deed, Transfer OTHER INSTITUTIONAL LENDERS
Feb 24, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2022 · Amount on Record
Deed Sale	Feb 25, 2022 · Amount on Record
Prior Sale	Feb 24, 2017
Deed Document Number	20222737526
Last Transfer Date	May 30, 2026
Transfer Doc	0002885951
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 9, 2026
Property Address	437 SCHWARZ RD, O FALLON, IL 62269-6713
Document Number	0002885951
Instrument Date	May 30, 2026
Instrument	20262885951
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	437 SCHWARZ RD, O FALLON, IL 62269-6713

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 25, 2022
Property Address	437 SCHWARZ RD, O FALLON, IL 62269-6713
Document Number	0A02737526
Map Reference	MB 89 PG 14
Instrument Date	Feb 15, 2022
Instrument	A02737526
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	BENEDICK TITLE, BENEDICK TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	437 SCHWARZ RD, O FALLON, IL 62269-6713

Mortgage

Document Number	0A02737527
Date	Feb 25, 2022
Instrument	A02737527

Lender

Name	BANK OF OFALLON
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Feb 17, 2029

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 13, 2017
Property Address	437 SCHWARZ RD, O FALLON, IL 62269-6713
Document Number	00A2551483
Instrument Date	Aug 30, 2017
Instrument	2551483
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	111 S WACKER DR #4730 CHICAGO IL 606064719, 4730, CHICAGO, IL 60606-4719

May 2017: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 16, 2017
Property Address	437 SCHWARZ RD, O FALLON, IL 62269-6713
Document Number	00A2537021
Instrument Date	Apr 24, 2017
Instrument	2537021
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	437 SCHWARTZ O FALLON IL 62269, O FALLON, IL 62269
Investor	Possibly a Property Investor

Mortgage

Document Number	A2537022
Date	May 16, 2017
Instrument	2537022

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Funding / Finance Company
Address	1920 MAIN ST # 850, IRVINE, CA 92614-7285

Agreement

Amount	Amount Recorded

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 24, 2017
Property Address	437 SCHWARZ RD, O FALLON, IL 62269-6713
Document Number	00A2527970
Instrument Date	Feb 2, 2017
Instrument	2527970
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 S WACKER DR #1400 CHICAGO IL 606065600, 1400, CHICAGO, IL 60606-5600
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 28, 2025

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	Tax Bill	Assessed Value	Assessed Market Value
2024	$6,602.00	$96,580 (+22.55%) Land $15,429 Building $81,151	$289,740 (+22.55%) Land $46,287 Building $243,453
2022		$78,808 Land $12,590 Building $66,218	$236,424 Land $37,770 Building $198,654

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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