554 Highland Estates Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 554 Highland Estates Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,155 sqft · built 2001
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Aug 2020)
Tax Bill	$9,676 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Aug 2017 Sale & Mortgage
APN	`04-20-0-213-012`

Property Details

APN / Parcel Number

Primary APN	`04-20-0-213-012`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,155 sqft Living Area
Basement Area	470 sqft
Finished Basement	470 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Mixed
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	510 sqft
Deck Area	285 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	554 HIGHLAND ESTATES DR
City	O FALLON
State	IL
Zip	62269-6729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE HIGHLANDS AT WINDING CR EST 5TH ADD LOT/SEC-79 DOC A02660428
Legal Subdivision	THE HIGHLANDS AT WINDING CR EST 5TH ADD
Legal Block	213
Legal Lot Number	79
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2029
Census Tract	504353

Owner

Source: St. Clair County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	554 HIGHLAND ESTATES DR, O FALLON, IL 62269-6729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2020	Warranty Deed, Transfer · VA Mortgage AMERICAN PORTFOLIO MTG
Aug 8, 2017	Grant Deed, Transfer · VA Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2020 · Amount on File
Deed Sale	Aug 3, 2020 · Amount on File
Prior Sale	Aug 8, 2017 · Amount on File
Deed Document Number	20202660428
Prior Transfer Date	Oct 21, 2014
Prior Transfer Doc	00A2431252
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 3, 2020
Property Address	554 HIGHLAND ESTATES DR, O FALLON, IL 62269-6729
Document Number	00A2660428
Instrument Date	Jul 31, 2020
Instrument	2660428
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$458.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7585 CHANCELLOR DR COLORADO SPRINGS CO 809207152, COLORADO SPRINGS, CO 80920-7152

Mortgage

Document Number	A2660429
Date	Aug 3, 2020
Instrument	2660429

Lender

Name	AMERICAN PORTFOLIO MTG
Type	Mortgage Company
Address	PALATINE, IL 60074

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 8, 2017
Property Address	554 HIGHLAND ESTATES DR, O FALLON, IL 62269-6729
Document Number	00A2546841
Instrument Date	Aug 7, 2017
Instrument	2546841
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	217 HAWES AVE SHOREVIEW MN 551266206, SHOREVIEW, MN 55126-6206

Mortgage

Document Number	A2546842
Date	Aug 8, 2017
Instrument	2546842

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2047

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	$9,676.00 (+8.4%)	$134,246 (+9.62%) Land $17,584 Building $116,662	$402,738 (+9.62%) Land $52,752 Building $349,986
2024	$8,926.00	$122,465 (+22.55%) Land $16,041 Building $106,424	$367,395 (+22.55%) Land $48,123 Building $319,272
2022		$99,929 Land $13,089 Building $86,840	$299,787 Land $39,267 Building $260,520

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 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

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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