442 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 442 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,286 sqft · built 1992
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,000 (Jun 1999)
Tax Bill	$8,838 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2021 Mortgage + 1 more
APN	`04-20-0-112-004`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-112-004`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,286 sqft Living Area
Basement Area	3,436 sqft
Finished Basement	1,150 sqft
Unfinished Basement	1,136 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Mixed
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	412 sqft
Patio Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	442 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-67 A01500252
Legal Subdivision	WINDING CREEK
Legal Block	112
Legal Lot Number	67
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2042
Census Tract	504353

Owner

Source: St. Clair County records, as of October 19, 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	442 SCHWARZ RD, O FALLON, IL 62269-6715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Mar 3, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Mar 27, 2017	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 1999 · Amount on Record
Deed Sale	Jun 1, 1999 · Amount on Record
Deed Document Number	19991500253
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	442 SCHWARZ RD, O FALLON, IL 62269-6715
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02746421
Date	May 16, 2022
Instrument	A02746421

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	442 SCHWARZ RD, O FALLON, IL 62269-6715
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02689813
Date	Mar 3, 2021
Instrument	A02689813

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	442 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2531893
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	442 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	00A2531893
Date	Mar 31, 2017
Instrument	2531893

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 21, 2026

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
2025	$8,838.00 (+8.92%) Homeowner's exemption	$128,611 (+9.62%) Land $19,432 Building $109,179	$385,833 (+9.62%) Land $58,296 Building $327,537
2024	$8,114.00	$117,325 (+22.55%) Land $17,727 Building $99,598	$351,975 (+22.55%) Land $53,181 Building $298,794
2022		$95,736 Land $14,465 Building $81,271	$287,208 Land $43,395 Building $243,813

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

Nearby Properties on Schwarz Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures