458 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 458 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	2,399 sqft · built 1994
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (May 2022)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2024 Mortgage + 5 more
APN	`04-20-0-112-013`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-112-013`

Interior

Stories	1 Story
Building Area	2,399 sqft Living Area
Gross Area	5,239 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2002
Architectural Style	Other
Exterior Material	Wood
Construction Type	Frame
Lot Area	13,939 sqft (0.319 acres)
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	388 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	458 SCHWARZ RD
City	O FALLON
State	IL
Zip	62269-6715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDING CREEK ESTATES 2ND ADD LOT/SEC-71 A02747297
Legal Subdivision	WINDING CREEK ESTATES
Legal Lot Number	71
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 · APN 04-20-0-112-013

Assessment roll updated January 1, 2022 · Last verified August 2023

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 11, 2024	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Aug 17, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 24, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 20, 2019	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
May 08, 2018	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA/IL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 24, 2022 · Amount on Record
Deed Sale	May 24, 2022 · Amount on Record
Prior Sale	May 08, 2018 · Amount on Record
Deed Document Number	A02747297
Record Updated	Jun 07, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Transaction Type	Mortgage
Record Updated	Oct 03, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 SCHWARZ RD, O FALLON, IL 62269-6715

Mortgage

Document Number	0A02860568
Date	Sep 17, 2025
Instrument	A02860568

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	321 Months
Due	Jun 01, 2052

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Transaction Type	Mortgage
Record Updated	Mar 27, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 SCHWARZ RD, O FALLON, IL 62269-6715

Mortgage

Document Number	0A02807299
Date	Mar 11, 2024
Instrument	A02807299

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Jun 01, 2052

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Transaction Type	Mortgage
Record Updated	Sep 01, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 SCHWARZ RD, O FALLON, IL 62269-6715

Mortgage

Document Number	0A02789556
Date	Aug 17, 2023
Instrument	A02789556

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Jun 01, 2052

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 24, 2022
Property Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	0A02747297
Map Reference	MB 91 PG 57
Instrument Date	May 20, 2022
Instrument	A02747297
Transaction Type	Transfer
Record Updated	Jun 08, 2022
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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 by the Entirety
Address	458 SCHWARZ RD, O FALLON, IL 62269-6715

Mortgage

Document Number	0A02747298
Date	May 24, 2022
Instrument	A02747298

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Transaction Type	Mortgage
Record Updated	May 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02696877
Date	Apr 22, 2021
Instrument	A02696877

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Interest

Rate	3.25%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2608077
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	Apr 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	458 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	00A2608077
Date	Mar 28, 2019
Instrument	2608077

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Mar 27, 2039

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 08, 2018
Property Address	458 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2575608
Instrument Date	Apr 03, 2018
Instrument	2575608
Transaction Type	Transfer
Record Updated	May 25, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	458 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	A2575609
Date	May 08, 2018
Instrument	2575609

Lender

Name	BANK OF AMERICA/IL
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 07, 2048

Interest

Rate	4.62%

Tax Assessment & Valuation

Source: St. Clair County records · Assessment roll updated January 1, 2022 · Last verified August 2023

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

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.

Year	Assessed Value	Assessed Market Value
2022	$91,928 Land $14,485 Building $77,443	$275,784 Land $43,455 Building $232,329

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA 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.

Based on FCC filings for 318 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	O FALLON serves 46,603 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

458 Schwarz Rd, O Fallon, IL 62269 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Cell Coverage

Drinking Water

Violations Reported to EPA

Nearby Properties on Schwarz Rd

Nearby Streets

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