472 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 472 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,451 sqft · built 1994
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Dec 2021)
Tax Bill	$8,538 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Dec 2017 Transfer + 1 more
APN	`04-20-0-113-006`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-113-006`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,451 sqft Living Area
Basement Area	1,311 sqft
Unfinished Basement	1,311 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Mixed
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	472 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-82 A02730954
Legal Subdivision	WINDING CREEK
Legal Block	113
Legal Lot Number	82
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2039
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	472 SCHWARZ RD, O FALLON, IL 62269-6715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed, Transfer · Conventional Mortgage FCB BANKS
Dec 15, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 20, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Prior Sale	Aug 6, 2004 · Amount on Record
Deed Document Number	20212730954
Prior Transfer Date	Nov 20, 2017
Prior Transfer Doc	00A2561647
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 23, 2021
Property Address	472 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	0A02730954
Map Reference	MB 91 PG 57
Instrument Date	Dec 23, 2021
Instrument	A02730954
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36824 W MONDRAGONE LN, 36824, MARICOPA, AZ 85138-4950

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	472 SCHWARZ RD, O FALLON, IL 62269-6715

Mortgage

Document Number	0A02730955
Date	Dec 23, 2021
Instrument	A02730955

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate	2.87%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 15, 2017
Property Address	472 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2561647
Instrument Date	Nov 28, 2017
Instrument	2561647
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	472 SCHWARTZ RD O FALLON IL 62269, O FALLON, IL 62269

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	472 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2525049
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	472 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	00A2525049
Date	Jan 27, 2017
Instrument	2525049

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 26, 2032

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	$8,538.00 (+8.93%) Homeowner's exemption	$124,451 (+9.62%) Land $18,606 Building $105,845	$373,353 (+9.62%) Land $55,818 Building $317,535
2024	$7,838.00	$113,529 (+22.55%) Land $16,973 Building $96,556	$340,587 (+22.55%) Land $50,919 Building $289,668
2022		$92,637 Land $13,849 Building $78,788	$277,911 Land $41,547 Building $236,364

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 99.1% of the US · lower than 94% 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.

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