465 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 465 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,172 sqft · built 1993
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jun 2018)
Tax Bill	$10,047 (2025)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
APN	`04-20-0-106-043`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-106-043`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,172 sqft Living Area
Upper Floors Area	6 sqft
Basement Area	1,748 sqft
Finished Basement	600 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Mixed
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Deck Area	80 sqft
Patio Area	955 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	465 SCHWARZ RD
City	O FALLON
State	IL
Zip	62269-6713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDING CREEK ESTATES 2ND ADD LOT/SEC-97 DOC A02577998
Legal Subdivision	WINDING CREEK
Legal Block	106
Legal Lot Number	97
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2040
Census Tract	504353

Owner

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	465 SCHWARZ RD, O FALLON, IL 62269-6713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	20182577998
Prior Transfer Date	Apr 2, 2001
Prior Transfer Doc	00A1672614
Record Updated	Oct 29, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jun 1, 2018
Property Address	465 SCHWARZ RD, O FALLON, IL 62269-6713
Document Number	00A2577998
Instrument Date	May 25, 2018
Instrument	2577998
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	ADVANCED TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$427.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	190 FOREST OAKS DR CASEYVILLE IL 622322847, CASEYVILLE, IL 62232-2847

Mortgage

Document Number	A2577999
Date	Jun 1, 2018
Instrument	2577999

Lender

Name	MORTGAGE MAKERS
Type	Mortgage Company
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 31, 2033

Interest

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	$10,047.00 (+5.07%) Homeowner's exemption	$150,381 (+9.62%) Land $21,602 Building $128,779	$451,143 (+9.62%) Land $64,806 Building $386,337
2024	$9,562.00	$137,184 (+22.55%) Land $19,706 Building $117,478	$411,552 (+22.55%) Land $59,118 Building $352,434
2022		$111,940 Land $16,080 Building $95,860	$335,820 Land $48,240 Building $287,580

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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