509 E Waters Edge Dr, Belleville, IL 62221 Property Records

St. Clair County property record for 509 E Waters Edge Dr, Belleville, IL 62221

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,461 sqft · built 1994
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jul 2019)
Tax Bill	$15,081 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Jul 2019 Sale & Line of Credit
APN	`08-02-0-407-011`

Property Details

APN / Parcel Number

Primary APN	`08-02-0-407-011`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	2,461 sqft Living Area
Upper Floors Area	30 sqft
Attic	Attic
Attic Area	1,264 sqft
Basement Area	2,461 sqft
Unfinished Basement	2,461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Lot Area	52,708 sqft (1.21 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	246 sqft
Deck Area	40 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	509 E WATERS EDGE DR
City	BELLEVILLE
State	IL
Zip	62221-7813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAVENWOOD LAKE ESTATES 3RD ADD LOT/SEC-41 A02618534
Legal Subdivision	RAVENWOOD LAKE ESTATES
Legal Block	407
Legal Lot Number	41
Jurisdiction	ST CLAIR IL
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1014
Census Tract	503323

Owner

509 E Waters Edge Dr is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	509 E WATERS EDGE DR, BELLEVILLE, IL 62221-7813
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
Jan 11, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF O'FALLON
Jul 8, 2019	Warranty Deed, Construction Loan · Line of Credit BANK OF O'FALLON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2019 · Amount on File
Deed Sale	Jul 8, 2019 · Amount on File
Deed Document Number	20192618534
Prior Transfer Date	Jul 12, 2010
Prior Transfer Doc	00A2220169
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	509 E WATERS EDGE DR, SHILOH, IL 62221-7813
Document Number	00A2639789
Instrument Date	Jan 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	BENEDICK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E WATERS EDGE DR SHILOH IL 622217813, SHILOH, IL 62221-7813

Mortgage

Document Number	00A2639789
Date	Jan 21, 2020
Instrument	2639789

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O FALLON, IL 62269-8626

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Jan 20, 2027

Interest

Rate Type	Adjustable Rate
Rate	3.87%

July 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Jul 8, 2019
Property Address	509 E WATERS EDGE DR, SHILOH, IL 62221-7813
Document Number	00A2618534
Instrument Date	Jul 3, 2019
Instrument	2618534
Transaction Type	Construction Loan
Record Updated	Jul 19, 2019
Title Company	TOWN AND COUNTRY TITLE COMPANY, TOWN & CNTRY TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2258 HOLEBROOKE DR BELLEVILLE IL 622217998, BELLEVILLE, IL 62221-7998

Mortgage

Document Number	A2618535
Date	Jul 8, 2019
Instrument	2618535

Lender

Name	BANK OF O'FALLON
Type	Bank
Address	O'FALLON, IL 62269-8626

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 7, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 509 E Waters Edge Dr was $15,081 with a homeowner's exemption, up 9.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	St. Clair Township
Municipality	Shiloh Village
Secondary School District	Belleville Township High School District 201 (09 - 12)
Elementary School District	Whiteside School District 115 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,081.00 (+9.72%) Homeowner's exemption	$230,175 (+10.87%) Land $36,913 Building $193,262	$690,525 (+10.87%) Land $110,739 Building $579,786
2024	$13,745.00	$207,608 Land $33,294 Building $174,314	$622,824 Land $99,882 Building $522,942
2022		$186,466 Land $29,904 Building $156,562	$559,398 Land $89,712 Building $469,686

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 509 E Waters Edge Dr; there have been 13 flood claims nearby since 1994.

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 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	13 (1994–2024)
Claims Outside the SFHA	4 of 13
Most Recent Claim	Jul 2024 · Severe Storms, Tornadoes, Straight-line Winds, And Floodng
Claims by Event	Severe Storm And Flooding, Jul 2022 · 4 claims Severe Storms And Flooding, May 1996 · 3 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

The area around 509 E Waters Edge Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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