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Single Family ResidenceResidential
$90,803$135 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 79How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

1320 COMMERCIAL ST

BELLEVILLE, IL 62221
0
Baths
672 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$91K
$71K low$110K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$14,185
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$11,348
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.82%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$65,013
FIRSTCO MORTGAGE CORP · recorded Feb 28, 2008
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$8,230
DEPARTMENT OF HOUSING & URBAN DEV
3rd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$3,375

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,061 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$20,063 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,113
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$15,950
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$20,365
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$60,189

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
49
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
83
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
72
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.13 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySt. Clair
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1985
Lot (acres)The size of the land the home sits on, from county records.0.15
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 16 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Jefferson Elementary SchoolC
Elementary · Grades PK–6 · 0.5 mi
M
West Jr. High SchoolB-
Middle · Grades 7–8 · 2.4 mi

District: Belleville School District 118

Neighborhood · ZIP 62221These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.86
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.163

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.30,133
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.851 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$88,289
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,239
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1320 Commercial St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 96% of homes in Belleville 62221
  • Costs less per square foot than 72% of homes in Belleville 62221
  • Smaller than 96% of homes in Belleville 62221
  • Has a smaller lot than 85% of homes in Belleville 62221
  • Older than 88% of homes in Belleville 62221

What homes are worth in Belleville 62221

Each bar is how many homes fall in that price range. The marker is this home.

This home
$77K$555K

This home is worth more than 4% of homes in Belleville 62221.

How it measures up in Belleville 62221

The dot is this home. The mark in the middle is the typical home in Belleville 62221.

Estimated value$90,803
CheaperTypical $237,298Pricier

Pricier than 4% of homes nearby

Price per ft²$135
CheaperTypical $166Pricier

Pricier than 28% of homes nearby

Living area672 ft²
SmallerTypical 1,310 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.15 ac
SmallerTypical 0.25 acBigger

Bigger than 15% of homes nearby

Year built1948
OlderTypical 1986Newer

Newer than 12% of homes nearby

How 1320 Commercial St ranks against every home in each area.
MeasureThis homeBelleville 62221St. Clair County
Estimated valuepricier than$90,8034% of homes24% of homes
Price per ft²pricier than$13528% of homes46% of homes
Living areabigger than672 ft²4% of homes5% of homes
Lot sizebigger than0.15 ac15% of homes18% of homes
Year builtnewer than194812% of homes25% of homes

About 1320 Commercial St

How much is 1320 Commercial St, Belleville, IL worth?

The TopHap Estimate for 1320 Commercial St, Belleville, IL is $90,803 as of Jul 14, 2026. The likely range is $71,428 to $110,178. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1320 Commercial St, Belleville, IL last sell?

1320 Commercial St, Belleville, IL last sold on Jun 14, 2007, according to the county's recorded deed.

How big is 1320 Commercial St, Belleville, IL?

1320 Commercial St, Belleville, IL has 672 square feet of living space and a 0.15-acre lot.

When was 1320 Commercial St, Belleville, IL built?

1320 Commercial St, Belleville, IL was built in 1948, making it 78 years old. The building has 1 story.

What schools serve 1320 Commercial St, Belleville, IL?

1320 Commercial St, Belleville, IL is assigned to Jefferson Elementary School (elementary), rated C; West Jr. High School (middle), rated B-. All sit in Belleville School District 118. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1320 Commercial St, Belleville, IL compare to other homes in Belleville 62221?

Among the 10,156 homes in Belleville 62221, it is worth more than 4% of them ($90,803 against a typical $237,298), its price per square foot is higher than 28% of them ($135 against a typical $166), it is bigger than 4% of them (672 ft² against a typical 1,310 ft²), its lot is bigger than 15% of them (0.15 ac against a typical 0.25 ac) and it is newer than 12% of them (1948 against a typical 1986). Measured against all of St. Clair County, it is worth more than 24% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1320 Commercial St, Belleville, IL?

The 2024 property tax bill for 1320 Commercial St, Belleville, IL was $1,061. The county assessed it at $20,063.

Closest homes

More homes in Belleville 62221

Assigned schools

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