4814 Ledgestone Dr, Smithton, IL 62285 Property Records

St. Clair County property record for 4814 Ledgestone Dr, Smithton, IL 62285

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,775 sqft · built 2007
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Oct 2018)
Tax Bill	$8,292 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2020 Mortgage + 1 more
APN	`17-04-0-205-004`

Property Details

APN / Parcel Number

Primary APN	`17-04-0-205-004`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,775 sqft Living Area
Upper Floors Area	20 sqft
Basement Area	1,775 sqft
Unfinished Basement	1,775 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Combination
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Mixed
Garage Area	484 sqft
Driveway	Driveway
Driveway Area	627 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	4814 LEDGESTONE DR
City	SMITHTON
State	IL
Zip	62285-3042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEDGESTONE ESTATES LOT 31 A02594383
Legal Subdivision	LEDGESTONE ESTATES
Legal Block	205
Legal Lot Number	31
Jurisdiction	ST CLAIR IL
Township / Civil Division	PRAIRIE DU LONG
Census Block Group	4
Census Block	4035
Census Tract	504001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4814 LEDGESTONE DR, SMITHTON, IL 62285-3042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Feb 24, 2020	Deed of Trust, Mortgage REGIONS MTG
Oct 26, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Prior Sale	Feb 25, 2008 · Amount on Record
Deed Document Number	20182594383
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4814 LEDGESTONE DR, SMITHTON, IL 62285-3042
Transaction Type	Mortgage
Record Updated	Dec 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4814 LEDGESTONE DR, SMITHTON, IL 62285-3042

Mortgage

Document Number	0A02868015
Date	Dec 4, 2025
Instrument	A02868015

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	4814 LEDGESTONE DR, SMITHTON, IL 62285-3042
Document Number	00A2644359
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4818 LEDGESTONE DR SMITHTON IL 622853042, SMITHTON, IL 62285-3042

Mortgage

Document Number	00A2644359
Date	Mar 5, 2020
Instrument	2644359

Lender

Name	REGIONS MTG
Type	Mortgage Company
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 4, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Oct 26, 2018
Property Address	4814 LEDGESTONE DR, SMITHTON, IL 62285-3042
Document Number	00A2594383
Instrument Date	Oct 25, 2018
Instrument	2594383
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.35
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	734 KLEIN DR SMITHTON IL 622851402, SMITHTON, IL 62285-1402

Mortgage

Document Number	A2594384
Date	Oct 26, 2018
Instrument	2594384

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	Prairie Du Long Township
Municipality	Smithton Village
Secondary School District	Freeburg Community High School District 77 (09 - 12)
Elementary School District	Smithton Community Consolidated School District 130 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,292.00 (+57.85%)	$109,262 (+20.34%) Land $19,317 Building $89,945	$327,786 (+20.34%) Land $57,951 Building $269,835
2022		$90,795 Land $16,387 Building $74,408	$272,385 Land $49,161 Building $223,224
2019	$5,253.00

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

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 Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2015–2017)
Most Recent Claim	May 2017 · river or lake flooding

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

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	SMITHTON serves 4,381 people · EPA ID IL1631300
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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