450 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 450 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,130 sqft · built 1993
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$155,500 (Dec 2014)
Tax Bill	$8,231 (2025)
Deeds & Mortgages	Aug 2020 Construction Loan Sep 2019 Line of Credit
APN	`04-20-0-112-006`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-112-006`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,130 sqft Living Area
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	512 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	450 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-69 A02436899
Legal Subdivision	WINDING CREEK
Legal Block	112
Legal Lot Number	69
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2042
Census Tract	504353

Owner

450 Schwarz Rd is owned and occupied by two individuals who bought it in December 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	450 SCHWARZ RD, O FALLON, IL 62269-6715
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Construction Loan · Construction Mortgage TOWN & CNTRY BANC MTG SVCS
Sep 27, 2019	Deed of Trust, Mortgage · Line of Credit UTAH POWER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2014 · Amount on File
Deed Sale	Dec 15, 2014 · Amount on File
Prior Sale	Dec 11, 2014
Deed Document Number	20142436899
Prior Transfer Date	Dec 9, 2014
Prior Transfer Doc	00A2436303
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Recording Date	Aug 5, 2020
Property Address	450 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2660670
Instrument Date	Jul 27, 2020
Instrument	2660670
Transaction Type	Construction Loan
Record Updated	Sep 4, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	00A2660670
Date	Aug 5, 2020
Instrument	2660670

Lender

Name	TOWN & CNTRY BANC MTG SVCS
Type	Mortgage Company
Address	SPRINGFIELD, IL 62711

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 4, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	450 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2628782
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	450 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	00A2628782
Date	Oct 2, 2019
Instrument	2628782

Lender

Name	UTAH POWER CU
Type	Credit Union
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 450 Schwarz Rd was $8,231 with a homeowner's exemption, up 8.9% from the year before.

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	$8,231.00 (+8.95%) Homeowner's exemption	$120,197 (+9.62%) Land $18,767 Building $101,430	$360,591 (+9.62%) Land $56,301 Building $304,290
2024	$7,555.00	$109,649 Land $17,120 Building $92,529	$328,947 Land $51,360 Building $277,587
2022		$89,472 Land $13,970 Building $75,502	$268,416 Land $41,910 Building $226,506

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

Flood

FEMA has no flood map on file for 450 Schwarz Rd; there have been 2 flood claims nearby since 2018.

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 File 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

Wildfire risk around 450 Schwarz Rd is low, with less than a 0.01% annual chance of 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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