St. Clair County property record for 473 Schwarz Rd, O Fallon, IL 62269
| Property Type | Single Family Home |
|---|---|
| Details | 5 ba · 1,598 sqft · built 1993 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Nov 2024) |
| Tax Bill | $6,366 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage |
| APN | 04-20-0-106-045 |
| Primary APN | 04-20-0-106-045 |
|---|
| Full Baths | 5 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,598 sqft Living Area |
| Basement Area | 1,598 sqft |
| Finished Basement | 2,064 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Frame |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Mixed |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 192 sqft |
| Patio Area | 320 sqft |
| Canopy | 48 sqft |
| Cooling System | Central |
|---|
| Street Address | 473 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-99 A02830646 |
| Legal Subdivision | WINDING CREEK |
| Legal Block | 106 |
| Legal Lot Number | 99 |
| Jurisdiction | ST CLAIR IL |
| Township / Civil Division | O'FALLON |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 504353 |
473 Schwarz Rd is owned and occupied by two individuals who bought it in November 2024.
Source: St. Clair County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 473 SCHWARZ RD, O FALLON, IL 62269-6713 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2024 · Amount on File |
| Deed Sale | Nov 6, 2024 · Amount on File |
| Deed Document Number | 20242830646 |
| Prior Transfer Date | Jun 25, 2020 |
| Prior Transfer Doc | 0002656256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CLAIR IL |
| Property Address | 473 SCHWARZ RD, O FALLON, IL 62269-6713 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Title Company | ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC |
| Name | Verified Name |
|---|---|
| Address | 473 SCHWARZ RD, O FALLON, IL 62269-6713 |
| Document Number | 0A02865436 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | A02865436 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
The 2025 property tax bill for 473 Schwarz Rd was $6,366 with exemptions applied.
Source: St. Clair County assessment roll, as of September 21, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,366.00 | $99,324 Land $20,743 Building $78,581 | $297,972 Land $62,229 Building $235,743 |
| 2022 | $73,935 Land $15,441 Building $58,494 | $221,805 Land $46,323 Building $175,482 |
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.
FEMA has no flood map on file for 473 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 risk around 473 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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