604 Heritage Crest Ct, O Fallon, IL 62269 Property Records

St. Clair County property record for 604 Heritage Crest Ct, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,972 sqft · built 2007
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Nov 2024)
Tax Bill	$3,580 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2022 Sale & Mortgage + 1 more
APN	`03-24-0-102-011`

Property Details

APN / Parcel Number

Primary APN	`03-24-0-102-011`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	1,972 sqft Living Area
Basement Area	1,652 sqft
Unfinished Basement	1,652 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	320 sqft
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	604 HERITAGE CREST CT
City	O FALLON
State	IL
Zip	62269-7063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILBURN ESTATES LOT 54 A02830580
Legal Subdivision	MILBURN ESTATES
Legal Block	102
Legal Lot Number	54
Jurisdiction	ST CLAIR IL
Township / Civil Division	CASEYVILLE
Census Block Group	2
Census Block	2010
Census Tract	503404

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	604 HERITAGE CREST CT, O FALLON, IL 62269-7063
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 22, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 13, 2017	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2024 · Amount on Record
Deed Sale	Nov 6, 2024 · Amount on Record
Prior Sale	Sep 22, 2022 · Amount on Record
Deed Document Number	20242830580
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	604 HERITAGE CREST CT, O FALLON, IL 62269-7063
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	ABSTRACTS AND TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02690999
Date	Mar 11, 2021
Instrument	A02690999

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.75%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 22, 2022
Property Address	604 HERITAGE CREST CT, O FALLON, IL 62269-7063
Document Number	0A02760090
Map Reference	MB 106 PG 76
Instrument Date	Aug 24, 2022
Instrument	A02760090
Transaction Type	Transfer
Record Updated	Oct 6, 2022
Title Company	ABSTRACTS AND TITLES INC, ABSTRACT & TITLES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	604 HERITAGE CREST CT, O FALLON, IL 62269-7063

Mortgage

Document Number	0A02760091
Date	Sep 22, 2022
Instrument	A02760091

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4.99%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	604 HERITAGE CREST CT, O FALLON, IL 62269-7063
Document Number	00A2530302
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 HERITAGE CREST CT O FALLON IL 622697063, O FALLON, IL 62269-7063

Mortgage

Document Number	00A2530302
Date	Mar 17, 2017
Instrument	2530302

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 16, 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	Caseyville 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	$3,580.00	$136,287 (+31.43%) Land $26,524 Building $109,763	$408,861 (+31.43%) Land $79,572 Building $329,289
2022		$103,695 Land $20,890 Building $82,805	$311,085 Land $62,670 Building $248,415

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (1979–2023)
Claims Outside the SFHA	2 of 3
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	Not rated no burnable land within 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

Nearby Properties on Heritage Crest Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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