St. Clair County property record for 438 Schwarz Rd, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,092 sqft · built 1992 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $262,000 (Nov 2020) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage |
| APN | 04-20-0-112-003 |
| Primary APN | 04-20-0-112-003 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,092 sqft Living Area |
| Basement Area | 1,260 sqft |
| Finished Basement | 750 sqft |
| Unfinished Basement | 510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Mixed |
| Garage Area | 368 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 330 sqft |
| Patio Area | 252 sqft |
| Cooling System | Central |
|---|
| Street Address | 438 SCHWARZ RD |
|---|---|
| City | O FALLON |
| State | IL |
| Zip | 62269-6715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDING CREEK ESTATES 1ST ADD LOT/SEC-66 DOC A02675755 |
| Legal Subdivision | WINDING CREEK |
| Legal Block | 112 |
| Legal Lot Number | 66 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 504353 |
Source: St. Clair County records, as of September 21, 2026
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 | 438 SCHWARZ RD, O FALLON, IL 62269-6715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2020 · Amount on Record |
| Deed Sale | Nov 13, 2020 · Amount on Record |
| Prior Sale | May 24, 2013 · Amount on Record |
| Deed Document Number | 20202675755 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Recording Date | Nov 13, 2020 |
| Property Address | 438 SCHWARZ RD, O FALLON, IL 62269-6715 |
| Document Number | 00A2675755 |
| Instrument Date | Oct 21, 2020 |
| Instrument | 2675755 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2020 |
| Title Company | FIRST AMERICAN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $393.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715 |
| Document Number | A2675756 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 2675756 |
| Name | OCMBC INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2050 |
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $125,623 (+34.34%) Land $19,391 Building $106,232 | $376,869 (+34.34%) Land $58,173 Building $318,696 |
| 2022 | $93,510 Land $14,434 Building $79,076 | $280,530 Land $43,302 Building $237,228 |
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.
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.
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.
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 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.
5G (outdoors only) and 4G LTE
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