245 E Acton Ave, Wood River, IL 62095 Property Records

Madison County property record for 245 E Acton Ave, Wood River, IL 62095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1920
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Oct 2017)
Tax Bill	$2,599 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Apr 2023 Mortgage + 4 more
APN	`19-2-08-27-05-102-029`

Property Details

APN / Parcel Number

Primary APN	`19-2-08-27-05-102-029`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,120 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1934
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	245 E ACTON AVE
City	WOOD RIVER
State	IL
Zip	62095-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PENNINGS ADD LOT 33 34 50X120
Legal Subdivision	PENNINGS ADDN
Legal Lot Number	33
Jurisdiction	MADISON IL
Township / Civil Division	WOOD RIVER
Census Block Group	3
Census Block	3030
Census Tract	401101

Owner

245 E Acton Ave is owned and occupied by an individual who bought it in October 2017.

Source: Madison County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Deed of Trust, Mortgage HUD
Apr 17, 2023	Deed of Trust, Mortgage · FHA Mortgage HUD
Jan 3, 2022	Deed of Trust, Mortgage · FHA Mortgage HUD
Nov 15, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 15, 2019	Loan Modification, Mortgage · FHA Mortgage NEW AMERICAN FNDG
Oct 27, 2017	Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2017 · Amount on File
Deed Sale	Oct 27, 2017 · Amount on File
Prior Sale	May 8, 2009 · Amount on File
Deed Document Number	201736409
Prior Transfer Date	Mar 13, 2008
Prior Transfer Doc	0000013330
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028967
Date	Oct 26, 2023
Instrument	2023R28967

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount on Record
Term	480 Months
Due	Nov 1, 2063

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013
Transaction Type	Mortgage
Record Updated	May 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009753
Date	Apr 17, 2023
Instrument	2023R09753

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2063

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000257
Date	Jan 3, 2022
Instrument	2022R00257

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013
Document Number	0000039325
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E ACTON AVE WOOD RIVER IL 620952013, WOOD RIVER, IL 62095-2013

Mortgage

Document Number	0000039325
Date	Dec 5, 2019
Instrument	39325

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2049

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013
Document Number	0000040817
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E ACTON AVE WOOD RIVER IL 620952013, WOOD RIVER, IL 62095-2013

Mortgage

Document Number	0000040817
Date	Dec 17, 2019
Instrument	40817

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	AUSTIN, TX 78717

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2049

Interest

Rate	3.75%

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON IL
Recording Date	Oct 27, 2017
Property Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013
Document Number	0000036409
Map Reference	PB7 PG56
Instrument Date	Oct 3, 2017
Instrument	2017R36409
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E ACTON AVE, WOOD RIVER, IL 62095-2013

Mortgage

Document Number	0000036410
Date	Oct 27, 2017
Instrument	2017R36410

Lender

Name	BROKER SOLUTIONS INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.13%

Tax Assessment & Valuation

The 2025 property tax bill for 245 E Acton Ave was $2,599, up 10.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Wood River Township
Municipality	Wood River City
Secondary School District	East Alton-Wood River Community High School District 14 (09 - 12)
Elementary School District	Wood River-Hartford Elementary School District 15 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,599.00 (+10.6%)	$29,690 (+8.36%) Land $5,570 Building $24,120	$89,070 (+8.36%) Land $16,710 Building $72,360
2024	$2,350.00	$27,400 Land $5,140 Building $22,260	$82,200 Land $15,420 Building $66,780
2022	$2,091.00	$23,570 Land $4,420 Building $19,150	$70,781 Land $13,273 Building $57,508

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

FEMA has no flood map on file for 245 E Acton Ave; 3 flood insurance policies are in force nearby.

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

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

The area around 245 E Acton Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	BETHALTO serves 15,210 people · EPA ID IL1190150
Water Source	Groundwater
Last State Inspection	May 2024
Lead	1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 724 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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