2348 Fourlakes Dr, Belleville, IL 62220 Property Records

St. Clair County property record for 2348 Fourlakes Dr, Belleville, IL 62220

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,536 sqft · built 2010
Lot Size	0.18 acres (7,841 sqft)
Owner	Trust Name on File
Last Sale	$343,500 (Aug 2024)
Tax Bill	$6,563 (2025)
Deeds & Mortgages	Mar 2024 Construction Loan Apr 2023 Transfer + 2 more
APN	`09-31-0-203-022`

Property Details

APN / Parcel Number

Primary APN	`09-31-0-203-022`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,536 sqft Living Area
Upper Floors Area	40 sqft
Basement Area	1,536 sqft
Unfinished Basement	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Foundation Type	Slab (Mat/Raft)
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	54 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2348 FOURLAKES DR
City	BELLEVILLE
State	IL
Zip	62220-4898
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPYGLASS VILLAGE AT THE ORCHARDS LOT 8 A02821759
Legal Subdivision	SPYGLASS VILLAGE AT THE ORCHARDS
Legal Block	203
Legal Lot Number	8
Jurisdiction	ST CLAIR IL
Township / Civil Division	BELLEVILLE
Census Block Group	1
Census Block	1034
Census Tract	503903

Owner

2348 Fourlakes Dr is owner-occupied and held in a trust since August 2024.

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

Owner of Record	Trust Name on File
Mailing Address	2348 FOURLAKES DR, BELLEVILLE, IL 62220-4898
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF WATERLOO
Apr 21, 2023	Intrafamily Transfer, Transfer
May 11, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/WATERLOO
Apr 5, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2024 · Amount on File
Deed Sale	Aug 12, 2024 · Amount on File
Prior Sale	Dec 28, 2010 · Amount on File
Deed Document Number	20242821759
Prior Transfer Date	Apr 21, 2023
Prior Transfer Doc	0002779207
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	2348 FOURLAKES DR, BELLEVILLE, IL 62220-4898
Transaction Type	Mortgage
Record Updated	Mar 27, 2024
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & COUNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02807494
Date	Mar 12, 2024
Instrument	A02807494

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CLAIR IL
Recording Date	Apr 21, 2023
Property Address	2348 FOURLAKES DR, BELLEVILLE, IL 62220-4898
Document Number	0A02779207
Map Reference	DOC A01983968
Instrument Date	Apr 20, 2023
Instrument	A02779207
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2348 FOUILABGS DR, BELLEVILLE, IL 62220

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	2348 FOURLAKES DR, BELLEVILLE, IL 62220-4898
Document Number	00A2658154
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2348 FOURLAKES DR BELLEVILLE IL 622204898, BELLEVILLE, IL 62220-4898

Mortgage

Document Number	00A2658154
Date	Jul 15, 2020
Instrument	2658154

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	SMITHTON, IL 62285

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	2348 FOURLAKES DR, BELLEVILLE, IL 62220-4898
Document Number	00A2533800
Instrument Date	Apr 5, 2017
Transaction Type	Mortgage
Record Updated	May 12, 2017
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2348 FOURLAKES DR BELLEVILLE IL 622204898, BELLEVILLE, IL 62220-4898

Mortgage

Document Number	00A2533800
Date	Apr 18, 2017
Instrument	2533800

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	O FALLON, IL 62269

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 17, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2348 Fourlakes Dr was $6,563 with exemptions applied.

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Belleville City
County	St. Clair County
Unified School District	Mascoutah Community Unit School District 19 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,563.00	$97,326 Land $16,386 Building $80,940	$291,978 Land $49,158 Building $242,820
2022		$74,278 Land $13,631 Building $60,647	$222,834 Land $40,893 Building $181,941

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

FEMA has no flood map on file for 2348 Fourlakes Dr; there have been 17 flood claims nearby since 1995.

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 13 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	17 (1995–2024)
Claims Outside the SFHA	11 of 17
Most Recent Claim	Jul 2024 · Severe Storms, Tornadoes, Straight-line Winds, And Floodng
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Floodng, Jul 2024 · 2 claims Severe Storm And Flooding, Jul 2022 · 2 claims Severe Storms And Flooding, Apr 1996 · 2 claims

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

Wildfire risk around 2348 Fourlakes Dr 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 98% of the US · lower than 86% 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	IL AMERICAN-EAST ST LOUIS private · serves 131,368 people · EPA ID IL1635040
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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