4122 Waters Edge Dr, Belvidere, IL 61008 Property Records

Boone County property record for 4122 Waters Edge Dr, Belvidere, IL 61008

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 2021
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Oct 2025)
Tax Bill	$7,264 (2025)
Deeds & Mortgages	Oct 2025 Sale & Construction Loan Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-28-329-018`

Property Details

APN / Parcel Number

Primary APN	`05-28-329-018`
Alternative APN	`05-05-28-329-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
Gross Area	3,472 sqft
1st Floor Area	3,472 sqft
Basement Area	1,736 sqft
Unfinished Basement	1,736 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	05-05-28-329-018
Street Address	4122 WATERS EDGE DR
City	BELVIDERE
State	IL
Zip	61008-6726
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28-44-3 BELVIDERE PRAIRIE PLACE PLAT NO 4 LOT 165 N 80 E 143 S 80 W 143
Legal Subdivision	BELVIDERE PRAIRIE PLACE SUB
Legal Lot Number	165
Jurisdiction	BOONE IL
Township / Civil Division	BELVIDERE
Census Block Group	1
Census Block	1021
Census Tract	10400

Owner

4122 Waters Edge Dr is owned and occupied by an individual who bought it in October 2025.

Source: Boone County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	6641 PEACH TREE ST, HANOVER PARK, IL 60133-3907
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 17, 2025	Warranty Deed, Construction Loan · Construction Mortgage AMRES CORP
Nov 23, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNION SAVINGS BANK
Aug 26, 2021	Warranty Deed, Transfer · Commercial Mortgage BLACKHAWK BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2025 · Amount on File
Deed Sale	Oct 17, 2025 · Amount on File
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BOONE IL
Recording Date	Oct 17, 2025
Property Address	4122 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Document Number	2025R04590
Map Reference	DOC 2006R05886
Instrument Date	Oct 9, 2025
Instrument	2025R04590
Transaction Type	Construction Loan
Record Updated	Nov 5, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	907 LEXINGTON ST, MCHENRY, IL 60050-2467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4122 WATERS EDGE DR, BELVIDERE, IL 61008-6726

Mortgage

Document Number	2025R04591
Date	Oct 17, 2025
Instrument	2025R04591

Lender

Name	AMRES CORP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	6.62%

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE IL
Recording Date	Nov 23, 2021
Property Address	4122 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Document Number	2021R08376
Map Reference	DOC 2006R05886
Instrument Date	Nov 19, 2021
Instrument	2021R08376
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$403.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4122 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R08377
Date	Nov 23, 2021
Instrument	2021R08377

Lender

Name	UNION SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	2.88%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE IL
Recording Date	Aug 26, 2021
Property Address	4122 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Document Number	2021R06243
Map Reference	DOC 2006R05886
Instrument Date	Aug 10, 2021
Instrument	2021R06243
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount on Record
Tax	$37.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15386, LOVES PARK, IL 61132-5386
Investor	Possibly a Property Investor

Mortgage

Document Number	2021R06320
Date	Aug 31, 2021
Instrument	2021R06320

Lender

Name	BLACKHAWK BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4122 Waters Edge Dr was $7,264 with exemptions applied, down 11.3% from the year before.

Source: Boone County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Boone County
County Subdivision	Belvidere Township
Municipality	Belvidere City
Unified School District	Belvidere Consolidated Unit School District 100 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,264.00 (-11.31%) Homeowner's exemption Senior Citizen's exemption	$104,510 (-5.03%) Land $6,667 Building $97,843	$313,530 (-5.03%) Land $20,001 Building $293,529
2024	$8,190.00	$110,049 Land $6,667 Building $103,382	$330,147 Land $20,001 Building $310,146
2022	$7,706.00	$89,764 Land $6,667 Building $83,097	$269,292 Land $20,001 Building $249,291

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 maps place 4122 Waters Edge Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 18, 2011

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4122 Waters Edge 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 96% of the US · lower than 74% 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	BELVIDERE serves 25,339 people · EPA ID IL0070050
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 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	1 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 423 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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