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4820 Walter St, Belleville, IL, 62226

2beds
1baths
1,348sqft
$71,000
$53price/sqft
$677/moest. monthly cost
$27,080/yrincome needed

About This Home

You will fall in love with this charming Craftsman-style bungalow nestled in a quiet neighborhood of Belleville, Illinois. This cozy 1,400-square-foot home offers timeless character, modern updates, and investment potential all at an affordable price of $90,000. Step inside to find beautiful wood flooring throughout the main living areas, highlighted by original pocket doors that separate the living and dining rooms, allowing for both open flow and privacy. The spacious kitchen features ample cabinetry and a convenient butlers pantry that provides extra storage and functionality. Owner financing available! Investors welcome! Priced to sell!

Getting Around

63
WalkingSomewhat Walkable
33
TransitSome Transit
66
BikeBikeable

Construction

Condition

  • Year built: 1907

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Range / Oven,Refrigerator

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood,Laminate

Interior Area

  • Total interior livable area: 1,348 sqft

Property

Details

  • Parcel number: 08070410003

Features

  • Exterior features: Wood

Lot

  • Lot size: 8,712 sqft

Parking

  • Parking features: Off-street

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

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Hail
Heat Wave
Tornado
Ice Storm
Lightning
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 $359$4,308
Home Insurance *$80$960
Property Taxes $108$1,296
Electricity $130$1,569
Total$677$8,124
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$23,211/yr
40% on housing$20,310/yr
45% on housing$18,053/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

$53This listing

vs Other Active Listings

Avg $/sqft

ZIP 62226$140
St. Clair County$114

vs Homes Sold Last Month

Median $/sqft

ZIP 62226$103
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
2026-06-22Price change$71,000
2026-05-26Pending sale$85,000
2026-05-12Listed for sale$85,000
2026-04-25Pending sale$85,000
2026-03-29Listed for sale$85,000
2026-03-05Listing removed--
2026-03-05Pending sale$90,000
2026-03-02Listed for sale$90,000
2026-01-23Listing removed--
2025-10-25Listed for sale$99,000
2025-05-01Listing removed$95,000
2025-03-03Price change$95,000
2025-01-01Listed for sale$99,000
2024-12-12Listing removed$99,000
2024-10-30Price change$99,000
2024-10-11Price change$105,000
2024-09-02Listed for sale$109,000
2022-05-23Sold$42,000
2004-07-22Sold$66,000

For Sale by Owner

AgentProperty Owner

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