2409 Fourlakes Dr, Belleville, IL 62220 Property Records

St. Clair County property record for 2409 Fourlakes Dr, Belleville, IL 62220

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,738 sqft · built 2007
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Oct 2021)
Tax Bill	$7,656 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2021 Sale + 1 more
APN	`09-31-0-207-013`

Property Details

APN / Parcel Number

Primary APN	`09-31-0-207-013`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,738 sqft Living Area
Upper Floors Area	32 sqft
Basement Area	1,738 sqft
Unfinished Basement	1,738 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	6,970 sqft (0.16 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	86 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2409 FOURLAKES DR
City	BELLEVILLE
State	IL
Zip	62220-4914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPYGLASS VILLAGE AT THE ORCHARDS LOT 29 A02720217
Legal Subdivision	SPYGLASS VILLAGE AT THE ORCHARDS
Legal Block	207
Legal Lot Number	29
Jurisdiction	ST CLAIR IL
Township / Civil Division	BELLEVILLE
Census Block Group	1
Census Block	1034
Census Tract	503903

Owner

2409 Fourlakes Dr is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2409 FOURLAKES DR, BELLEVILLE, IL 62220-4914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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
Sep 29, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 5, 2021	Warranty Deed, Transfer COMMUNITY TITLE SHILOH LLC
Apr 19, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on File
Deed Sale	Oct 5, 2021 · Amount on File
Prior Sale	Aug 22, 2016 · Amount on File
Deed Document Number	2021A02720217
Prior Transfer Date	Aug 23, 2007
Prior Transfer Doc	0002085076
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	2409 FOURLAKES DR, BELLEVILLE, IL 62220-4914
Transaction Type	Mortgage
Record Updated	Oct 13, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2409 FOURLAKES DR, BELLEVILLE, IL 62220-4914

Mortgage

Document Number	0A02761351
Date	Sep 29, 2022
Instrument	A02761351

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Jul 7, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 5, 2021
Property Address	2409 FOURLAKES DR, BELLEVILLE, IL 62220-4914
Document Number	A02720217
Map Reference	DOC A01983968
Instrument Date	Oct 5, 2021
Instrument	A02720217
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7014 POCO BUEHO CIRCLE, SPARKS, NV 89436-7476

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	2409 FOURLAKES DR, BELLEVILLE, IL 62220-4914
Transaction Type	Mortgage
Record Updated	Jun 15, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A02696168
Date	Apr 19, 2021
Instrument	A02696168

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 2409 Fourlakes Dr was $7,656 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	$7,656.00	$111,698 Land $15,369 Building $96,329	$335,094 Land $46,107 Building $288,987
2022		$79,566 Land $12,785 Building $66,781	$238,698 Land $38,355 Building $200,343

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 2409 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 2409 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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