108 W 3rd St, Alton, IL 62002 Property Records

Madison County property record for 108 W 3rd St, Alton, IL 62002

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,156 sqft · built 1950
Lot Size	0.054 acres (2,374 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jul 2009)
Tax Bill	$10,254 (2025)
Deeds & Mortgages	Feb 2020 Line of Credit Apr 2019 Loan Modification + 2 more
APN	`23-2-07-14-06-102-035`

Property Details

APN / Parcel Number

Primary APN	`23-2-07-14-06-102-035`

Interior

Building Area	6,156 sqft Total Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	2,374 sqft (0.054 acres)
Lot Dimensions	95 ft deep x 25 ft wide
Total Buildings	2 Buildings

Location & Zoning

Street Address	108 W 3RD ST
City	ALTON
State	IL
Zip	62002-6207
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	EDWARDS NINIAN SUBD BLK 93 GODFREY & GILMANS ADDN LOT 5 PT 22 25 X 95
Legal Subdivision	EDWARDS NINIAN SUBD
Legal Block	93
Legal Lot Number	5
Jurisdiction	MADISON IL
Township / Civil Division	ALTON
Census Block Group	1
Census Block	1038
Census Tract	402400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Middletown Historic District (Boundary Increase) listed 1982 · NRIS 82002583

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Madison County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	112 W 3RD ST, ALTON, IL 62002-6207
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2020	Deed of Trust, Mortgage · Line of Credit CNB BK&TR NA
Apr 11, 2019	Loan Modification, Mortgage CNB BK&TR NA
Apr 17, 2018	Loan Modification, Mortgage CNB BK&TR NA
Apr 20, 2017	Trustee's Deed, Construction Loan · Line of Credit CNB BK&TR NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2009 · Amount on Record
Deed Sale	Jul 1, 2009 · Amount on Record
Deed Document Number	200933876
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	108 W 3RD ST, ALTON, IL 62002-6207
Document Number	0000006718
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 12, 2020
Title Company	COMMUNITY TITLE, COMMUNITY TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 W 3RD ST ALTON IL 620026207, ALTON, IL 62002-6207

Mortgage

Document Number	0000006718
Date	Feb 28, 2020
Instrument	6718

Lender

Name	CNB BK&TR NA
Type	Bank
Address	ALTON, IL 62002

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.75%

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	108 W 3RD ST, ALTON, IL 62002-6207
Document Number	0000011799
Instrument Date	Apr 11, 2019
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 W 3RD ST ALTON IL 620026207, ALTON, IL 62002-6207

Mortgage

Document Number	0000011799
Date	Apr 17, 2019
Instrument	11799

Lender

Name	CNB BK&TR NA
Type	Bank
Address	ALTON, IL 62002

Agreement

Term	12 Months
Due	Apr 16, 2020

Interest

Rate	5.5%

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	108 W 3RD ST, ALTON, IL 62002-6207
Document Number	0000012976
Instrument Date	Apr 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 W 3RD ST ALTON IL 620026207, ALTON, IL 62002-6207

Mortgage

Document Number	0000012976
Date	May 1, 2018
Instrument	12976

Lender

Name	CNB BK&TR NA
Type	Bank
Address	ALTON, IL 62002

Agreement

Term	12 Months
Due	Apr 30, 2019

Interest

Rate	5.4%

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MADISON IL
Recording Date	Apr 20, 2017
Property Address	108 W 3RD ST, ALTON, IL 62002-6207
Instrument Date	Apr 14, 2017
Instrument	13216
Transaction Type	Construction Loan
Record Updated	Aug 18, 2018
Title Company	COMMUNITY TITLE, COMMUNITY TITLE AND ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 W 3RD ST ALTON IL 620026207, ALTON, IL 62002-6207

Mortgage

Document Number	0000013216
Date	Apr 20, 2017
Instrument	13216

Lender

Name	CNB BK&TR NA
Type	Bank
Address	ALTON, IL 62002

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 19, 2018

Interest

Rate Type	Adjustable Rate
Rate	4.65%

Tax Assessment & Valuation

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Alton City
County	Madison County
County Subdivision	Alton Township
Unified School District	Alton Community Unit School District 11 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,254.00 (+8.85%)	$128,100 (+35.41%) Land $4,940 Building $123,160	$384,300 (+35.28%) Land $14,820 Building $369,480
2024	$9,420.00 (+13.51%)
2022	$8,299.00	$94,600 Land $3,650 Building $90,950	$284,084 Land $10,961 Building $273,123

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force
Nearby Flood Claims	48 (1979–2019)
Claims Outside the SFHA	6 of 48
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 16 claims Severe Storms & Flooding, Aug 1993 · 6 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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-ALTON private · serves 46,127 people · EPA ID IL1195150
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	3 ppb (2026–2028) 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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave.

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