4152 Waters Edge Dr, Belvidere, IL 61008 Property Records

Boone County property record for 4152 Waters Edge Dr, Belvidere, IL 61008

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,750 sqft · built 2022
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Tax Bill	$8,137 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-28-329-015`

Property Details

APN / Parcel Number

Primary APN	`05-28-329-015`
Alternative APN	`05-05-28-329-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
Gross Area	3,500 sqft
Basement Area	1,750 sqft
Unfinished Basement	1,750 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	05-05-28-329-015
Street Address	4152 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 168 N 80 E 143 S 80 W 143
Legal Lot Number	168
Jurisdiction	BOONE IL
Township / Civil Division	BELVIDERE
Census Block Group	1
Census Block	1021
Census Tract	10400

Owner

4152 Waters Edge Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726
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 21, 2025	Warranty Deed, Transfer · VA Mortgage FILO MORTGAGE LLC
Aug 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage BLACKHAWK BANK
Apr 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 1, 2022	Warranty Deed, Construction Loan · Construction Mortgage US BANK NA
Aug 17, 2022	Deed, Transfer AMERICAN LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE IL
Recording Date	Oct 21, 2025
Property Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Document Number	2025R04634
Map Reference	DOC 2006R05886
Instrument Date	Sep 19, 2025
Instrument	2025R04634
Transaction Type	Transfer
Record Updated	Nov 12, 2025
Title Company	UNKNOWN, CITYWIDE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726

Mortgage

Document Number	2025R04635
Date	Oct 21, 2025
Instrument	2025R04635

Lender

Name	FILO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.99%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE IL
Property Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2022R04821
Date	Aug 29, 2022
Instrument	2022R04821

Lender

Name	BLACKHAWK BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE IL
Property Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R01309
Date	Apr 12, 2023
Instrument	2023R01309

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate
Rate	7.25%

December 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BOONE IL
Recording Date	Dec 1, 2022
Property Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Document Number	2022R06399
Instrument Date	Nov 23, 2022
Instrument	2022R06399
Transaction Type	Construction Loan
Record Updated	Jun 15, 2023
Title Company	SECURITY TITLE COMPANY, SECURITY FIRST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$451.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R06400
Date	Dec 1, 2022
Instrument	2022R06400

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate
Rate	7.25%

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BOONE IL
Recording Date	Aug 17, 2022
Property Address	4152 WATERS EDGE DR, BELVIDERE, IL 61008-6726
Document Number	2022R04633
Instrument Date	Jul 18, 2022
Instrument	2022R04633
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	AMERICAN LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 15368, LOVES PARK, IL 61132-5368
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4152 Waters Edge Dr was $8,137 with exemptions applied, down 12.2% 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	$8,137.00 (-12.16%) Homeowner's exemption	$113,170 (-) Land $6,667 Building $106,503	$339,510 (-) Land $20,001 Building $319,509
2024	$9,263.00	$113,170 Land $6,667 Building $106,503	$339,510 Land $20,001 Building $319,509
2022	$8,833.00	$569 Land $569	$1,707 Land $1,707

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4152 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 4152 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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