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

St. Clair County property record for 524 E Waters Edge Dr, Belleville, IL 62221

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,049 sqft · built 1989
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on Record
Last Sale	$542,500 (Dec 2022)
Tax Bill	$13,702 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2019 Mortgage + 2 more
APN	`08-02-0-404-007`

Property Details

APN / Parcel Number

Primary APN	`08-02-0-404-007`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	2,049 sqft Living Area
Basement Area	2,049 sqft
Finished Basement	2,049 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2004
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	51,836 sqft (1.19 acres)
Garage Type	Mixed
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	78 sqft
Patio Area	608 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	524 E WATERS EDGE DR
City	BELLEVILLE
State	IL
Zip	62221-7812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAVENWOOD LAKE ESTATES 2ND ADD LOT/SEC-32 A02769175
Legal Subdivision	RAVENWOOD LAKE ESTATES
Legal Block	404
Jurisdiction	ST CLAIR IL
Township / Civil Division	ST. CLAIR
Census Block Group	1
Census Block	1014
Census Tract	503323

Owner

Source: St. Clair County records, as of September 9, 2025

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	524 E WATERS EDGE DR, BELLEVILLE, IL 62221-7812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Dec 3, 2019	Deed of Trust, Mortgage GREAT STHRN BK
May 6, 2019	Deed of Trust, Mortgage · Conventional with PMI ILLINOIS NAT'L BK
Jul 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF EDWARDSVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Prior Sale	Aug 6, 2013 · Amount on Record
Deed Document Number	20222769175
Prior Transfer Date	Nov 28, 2006
Prior Transfer Doc	00A2015717
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	Dec 21, 2022
Property Address	524 E WATERS EDGE DR, SHILOH, IL 62221-7812
Document Number	0A02769175
Map Reference	MB 85 PG 71
Instrument Date	Dec 13, 2022
Instrument	A02769175
Transaction Type	Transfer
Record Updated	Jan 5, 2023
Title Company	ADVANCE TITLE SOLUTIONS INC, ADVANCED TITLE SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$542.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	524 E WATERS EDGE DR, BELLEVILLE, IL 62221-7812

Mortgage

Document Number	0A02769176
Date	Dec 21, 2022
Instrument	A02769176

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.12%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	524 E WATERS EDGE DR, SHILOH, IL 62221-7812
Document Number	00A2635646
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 E WATERS EDGE DR SHILOH IL 622217812, SHILOH, IL 62221-7812

Mortgage

Document Number	00A2635646
Date	Dec 10, 2019
Instrument	2635646

Lender

Name	GREAT STHRN BK
Type	Bank
Address	SPRINGFIELD, MO 65801-9600

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	524 E WATERS EDGE DR, SHILOH, IL 62221-7812
Document Number	00A2612491
Instrument Date	May 6, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 E WATERS EDGE DR SHILOH IL 622217812, SHILOH, IL 62221-7812

Mortgage

Document Number	00A2612491
Date	May 10, 2019
Instrument	2612491

Lender

Name	ILLINOIS NAT'L BK
Type	Bank
Address	SPRINGFIELD, IL 62701

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	524 E WATERS EDGE DR, SHILOH, IL 62221-7812
Document Number	00A2583997
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	TITLE CTR LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 E WATERS EDGE DR SHILOH IL 622217812, SHILOH, IL 62221-7812

Mortgage

Document Number	00A2583997
Date	Jul 26, 2018
Instrument	2583997

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	CLAYTON, MO 63105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of August 28, 2025

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
2024	$13,702.00	$200,972 (+15.05%) Land $33,215 Building $167,757	$602,916 (+15.05%) Land $99,645 Building $503,271
2022		$174,688 Land $29,832 Building $144,856	$524,064 Land $89,496 Building $434,568

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 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 149 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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