4 Gemstone Dr, Millstadt, IL 62260 Property Records

St. Clair County property record for 4 Gemstone Dr, Millstadt, IL 62260

Property Summary

Property Type	Single Family Home
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on File
Last Sale	$498,000 (Jun 2024)
Tax Bill	$11,556 (2025)
Deeds & Mortgages	Oct 2023 Construction Loan Aug 2023 Sale & Mortgage
APN	`12-10-0-202-005`

Property Details

APN / Parcel Number

Primary APN	`12-10-0-202-005`

Exterior

Lot Area	38,333 sqft (0.88 acres)

Location & Zoning

Street Address	4 GEMSTONE DR
City	MILLSTADT
State	IL
Zip	62260-2285
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBRIDGE ESTATES LOT 16 A02816949
Legal Subdivision	STONEBRIDGE ESTATES
Legal Block	202
Legal Lot Number	16
Jurisdiction	ST CLAIR IL
Township / Civil Division	MILLSTADT
Census Block Group	3
Census Block	3003
Census Tract	503203

Owner

4 Gemstone Dr is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 GEMSTONE DR, MILLSTADT, IL 62260-2285
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 27, 2023	Deed of Trust, Mortgage · Construction Mortgage CITIZENS COMMUNITY BANK
Aug 8, 2023	Warranty Deed, Transfer · Commercial Mortgage CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Prior Sale	Aug 8, 2023 · Amount on File
Deed Document Number	20242816949
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4 GEMSTONE DR, MILLSTADT, IL 62260-2285
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A02795901
Date	Oct 27, 2023
Instrument	A02795901

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank
Address	FREEBURG, IL 62243

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 3, 2024

Interest

Rate	8.75%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Aug 8, 2023
Property Address	4 GEMSTONE DR, MILLSTADT, IL 62260-2285
Document Number	0A02788623
Map Reference	MB 105 PG 6
Instrument Date	Aug 3, 2023
Instrument	A02788623
Transaction Type	Transfer
Record Updated	Aug 25, 2023
Title Company	COMMUNITY TITLE, COMMUNITY TITLE SHILOH LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6140 SAXTOWN RD, MILLSTADT, IL 62260-2514

Mortgage

Document Number	0A02788624
Date	Aug 8, 2023
Instrument	A02788624

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 3, 2024

Interest

Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 4 Gemstone Dr was $11,556.

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

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	Millstadt Township
Municipality	Millstadt Village
Secondary School District	Belleville Township High School District 201 (09 - 12)
Elementary School District	Millstadt Consolidated Community School District 160 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,556.00	$161,366 Land $20,132 Building $141,234	$484,098 Land $60,396 Building $423,702
2022		$413 Land $413	$1,239 Land $1,239
2019	$29.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 4 Gemstone Dr; 3 flood insurance policies are in force nearby.

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	3 in force

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 4 Gemstone 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 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	MILLSTADT serves 4,071 people · EPA ID IL1630850
Water Source	Purchased surface water from IL AMERICAN-EAST ST LOUIS
Last State Inspection	Nov 2024
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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