480 Schwarz Rd, O Fallon, IL 62269 Property Records

St. Clair County property record for 480 Schwarz Rd, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,071 sqft · built 1997
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (May 2015)
Tax Bill	$7,084 (2025)
Deeds & Mortgages	May 2023 Mortgage Nov 2020 Mortgage + 1 more
APN	`04-20-0-113-014`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-113-014`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,071 sqft Living Area
Upper Floors Area	110 sqft
Basement Area	1,126 sqft
Unfinished Basement	1,126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	1 ft deep x 1 ft wide
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	480 SCHWARZ RD
City	O FALLON
State	IL
Zip	62269-6715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDING CREEK EST4TH ADD LOT/SEC-84 DOC A02452597
Legal Subdivision	WINDING CREEK
Legal Block	113
Legal Lot Number	84
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	480 SCHWARZ RD, O FALLON, IL 62269-6715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Jan 24, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2015 · Amount on Record
Deed Sale	May 7, 2015 · Amount on Record
Prior Sale	Mar 1, 1997 · Amount on Record
Deed Document Number	20152452597
Prior Transfer Date	Feb 20, 2001
Prior Transfer Doc	00A1598031
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	480 SCHWARZ RD, O FALLON, IL 62269-6715
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 SCHWARZ RD, O FALLON, IL 62269-6715

Mortgage

Document Number	0A02780436
Date	May 8, 2023
Instrument	A02780436

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 1, 2030

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	480 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2676358
Instrument Date	Nov 12, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	480 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	00A2676358
Date	Nov 18, 2020
Instrument	2676358

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	480 SCHWARZ RD, O FALLON, IL 62269-6715
Document Number	00A2640653
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	480 SCHWARZ RD O FALLON IL 622696715, O FALLON, IL 62269-6715

Mortgage

Document Number	00A2640653
Date	Jan 29, 2020
Instrument	2640653

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

Interest

Rate Type	Fixed Rate
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	$7,084.00 (+9.05%) Homeowner's exemption	$104,279 (+9.62%) Land $16,845 Building $87,434	$312,837 (+9.62%) Land $50,535 Building $262,302
2024	$6,496.00	$95,128 (+22.55%) Land $15,367 Building $79,761	$285,384 (+22.55%) Land $46,101 Building $239,283
2022		$77,623 Land $12,539 Building $65,084	$232,869 Land $37,617 Building $195,252

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.

Nearby Properties on Schwarz Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures