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

St. Clair County property record for 521 E Waters Edge Dr, Belleville, IL 62221

Property Summary

Property Type	Single Family Home
Details	7 ba · 1,350 sqft · built 1993
Lot Size	1.21 acres (52,708 sqft)
Owner	Trust Name on File
Tax Bill	$16,444 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2020 Transfer
APN	`08-02-0-407-008`

Property Details

APN / Parcel Number

Primary APN	`08-02-0-407-008`

Interior

Full Baths	7 Baths
Stories	2 Stories
Building Area	1,350 sqft Living Area
Upper Floors Area	38 sqft
Basement Area	2,158 sqft
Finished Basement	1,300 sqft
Unfinished Basement	858 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2004
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	52,708 sqft (1.21 acres)
Garage Type	Mixed
Garage Area	858 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	690 sqft
Deck Area	120 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	521 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-44 A02668723
Legal Subdivision	RAVENWOOD LAKE ESTATES
Legal Block	407
Legal Lot Number	44
Jurisdiction	ST CLAIR IL
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1014
Census Tract	503323

Owner

521 E Waters Edge Dr is owner-occupied and held in a trust since September 2020.

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

Owner of Record	Trust Name on File
Mailing Address	521 E WATERS EDGE DR, BELLEVILLE, IL 62221-7813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MERCHANTS NAT'L BK/N
Sep 28, 2020	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 25, 2020
Transfer Doc	00A2668723
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	521 E WATERS EDGE DR, SHILOH, IL 62221-7813
Document Number	00A2670991
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Nov 18, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	521 E WATERS EDGE DR SHILOH IL 622217813, SHILOH, IL 62221-7813

Mortgage

Document Number	00A2670991
Date	Oct 13, 2020
Instrument	2670991

Lender

Name	FARMERS & MERCHANTS NAT'L BK/N
Type	Bank
Address	MASCOUTAH, IL 62258

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 12, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CLAIR IL
Recording Date	Sep 28, 2020
Property Address	521 E WATERS EDGE DR, SHILOH, IL 62221-7813
Document Number	00A2668723
Instrument Date	Sep 25, 2020
Instrument	2668723
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	521 E WATERS EDGE DR BELLEVILLE IL 622217813, BELLEVILLE, IL 62221-7813

Tax Assessment & Valuation

The 2025 property tax bill for 521 E Waters Edge Dr was $16,444 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	$16,444.00 (+9.7%) Homeowner's exemption	$250,427 (+10.87%) Land $36,919 Building $213,508	$751,281 (+10.87%) Land $110,757 Building $640,524
2024	$14,990.00	$225,874 Land $33,299 Building $192,575	$677,622 Land $99,897 Building $577,725
2022		$203,450 Land $29,909 Building $173,541	$610,350 Land $89,727 Building $520,623

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

Flood

FEMA has no flood map on file for 521 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 521 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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