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1338 Orchard Lakes Cir, Belleville, IL, 62220

4beds
4baths
2,485sqft
$429,000
$173price/sqft
$3,536/moest. monthly cost
$141,440/yrincome needed

About This Home

This beautiful two-story lakefront home is the perfect blend of comfort, space, and breathtaking scenery—where every day feels a little like a getaway! Nestled along the water and surrounded by stunning views, this home offers a generous layout designed for both relaxation and entertaining. Step inside to the main level, where rich engineered hardwood floors create a warm and inviting feel throughout. The spacious living room features a cozy fireplace—perfect for chilly evenings—and flows seamlessly into the dining area and the large, welcoming kitchen. The kitchen truly shines with its expansive island, abundant cabinetry, and a sizable pantry, giving you plenty of room to cook, gather, and create memorable meals. Even better, the kitchen windows frame beautiful views of the lake, making everyday cooking feel a little more special. Upstairs, convenience continues with a laundry area located near the bedrooms, saving trips up and down the stairs. The expansive primary suite is a relaxing retreat, with a storage system walk-in closet and en-suite bath featuring a double-bowl vanity, a luxurious soaking tub, and—yes—more peaceful views of the lake. Imagine starting or ending your day while looking out over the water. The bright walkout basement offers even more living space, including a comfortable family room, a fourth bedroom, and a full bathroom—perfect for guests, a home office, or a private retreat for family members. Outdoor living is just as impressive! The deck and patio (Extended patio to include area under deck (2021) provide plenty of space for relaxing, entertaining friends, or simply enjoying the peaceful surroundings. Recent updates add even more value and enjoyment, including a fully insulated garage (2023). All of this is conveniently located close to Scott AFB, SWIC, Saint Clair County Orchard Trail, Eckert’s Belleville Farm, giving you the perfect balance of peaceful lakeside living and modern convenience. Don’t miss this incredible opportunity to own a lakefront home that truly has it all—space, style, views, and a lifestyle you’ll love!

Getting Around

1
WalkingCar-Dependent
0
TransitNo Nearby Transit
21
BikeSomewhat Bikeable

Schools

4/10

Construction

Condition

  • Year built: 2018

Materials

  • Construction materials: Stone Veneer,Brick Veneer,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional,Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Stainless Steel Appliance(s),Dishwasher,Disposal,Microwave,Gas Range,Refrigerator,Gas Water Heater
  • Laundry features: 2nd Floor

Basement

  • Has basement: Yes
  • Basement: Sleeping Area,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Kitchen/Dining Room Combo,Open Floorplan,Walk-In Closet(s),Breakfast Bar,Eat-in Kitchen,Pantry,Tub,Entrance Foyer
  • Door features: Panel Door(s),Storm Door(s)
  • Window features: Insulated Windows,Tilt-In Windows
  • Flooring: Carpet,Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Recreation Room,Living Room
  • Fireplace: Yes
  • Finished area below ground: 647
  • Finished area above ground: 1,838

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 2,485
  • Total interior livable area: 2,485 sqft

Property

Details

  • Parcel number: 0836.0403007
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Deck,Patio
  • Fencing: None
  • Has view: Yes
  • View description: Pond
  • Water view: Pond
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake Front

Lot

  • Lot size: 8,276 sqft
  • Features: Adjoins Open Ground,Level,Views,Waterfront
  • Lot size dimensions: 59 x 135

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Storage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Cold Wave
Earthquake
Hail
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,169$26,028
Home Insurance *$522$6,264
Property Taxes $654$7,848
Electricity $191$2,293
Total$3,536$42,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$121,234/yr
40% on housing$106,080/yr
45% on housing$94,293/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 62220$83
St. Clair County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 62220$96
St. Clair County$119

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-20Listed for sale$429,000
2025-12-02Listing removed$429,000
2025-08-12Listed for sale$429,000
2025-08-12Listing removed$439,000
2025-07-18Price change$439,000
2025-04-25Listed for sale$444,900
2018-01-12Sold$234,900
2018-01-12Listed for sale$234,900
2017-12-27Pending sale$234,900
2017-11-30Listed for sale$234,900
2017-06-29Sold$39,500

For Sale by Agent

AgentKevin L Barnett
BrokerageRedfin Corporation

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