246 Ladd St, Alton, IL 62002 Property Records

Madison County property record for 246 Ladd St, Alton, IL 62002

Property Summary

Property Type	Single Family Home
Details	1 ba · 816 sqft · built 1955
Lot Size	0.227 acres (9,870 sqft)
Owner	Individual Name on File
Tax Bill	$910 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2021 Mortgage + 2 more
APN	`23-2-08-17-05-105-005`

Property Details

APN / Parcel Number

Primary APN	`23-2-08-17-05-105-005`

Interior

Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	816 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Shingle
Lot Area	9,870 sqft (0.227 acres)
Lot Dimensions	105 ft deep x 94 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Shed	1 Shed
Shed Area	40 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	246 LADD ST
City	ALTON
State	IL
Zip	62002-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURNER ACRES LOT 43 105X93.1 X IRR
Legal Subdivision	TURNER ACRES
Legal Lot Number	43
Jurisdiction	MADISON IL
Township / Civil Division	ALTON
Census Block Group	3
Census Block	3004
Census Tract	401500

Owner

246 Ladd St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	246 LADD ST, ALTON, IL 62002-1903
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
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 5, 2018	Deed of Trust, Mortgage · Line of Credit REGIONS BK/FAYETTE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	Sep 29, 2026
Property Address	246 LADD ST, ALTON, IL 62002-1903
Document Number	0000028726
Instrument Date	Sep 16, 2026
Instrument	202628726
Transaction Type	Mortgage
Record Updated	Oct 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 LADD ST, ALTON, IL 62002-1903

Mortgage

Document Number	0000028726,
Date	Sep 29, 2026
Instrument	202628726

Lender

Name	REGIONS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2056

Interest

Rate Type	Fixed Rate
Rate	8.25%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	246 LADD ST, ALTON, IL 62002-1903
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047593
Date	Nov 17, 2021
Instrument	2021R47593

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	246 LADD ST, ALTON, IL 62002-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010946
Date	Apr 6, 2020
Instrument	2020R10946

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2050

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	246 LADD ST, ALTON, IL 62002-1903
Document Number	0000011258
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	Apr 24, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 LADD ST ALTON IL 620021903, ALTON, IL 62002-1903

Mortgage

Document Number	0000011258
Date	Apr 17, 2018
Instrument	11258

Lender

Name	REGIONS BK/FAYETTE
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 246 Ladd St was $910 with exemptions applied, down 1.5% from the year before.

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	$910.00 (-1.52%)	$35,130 Land $4,940 Building $30,190	$105,390 Land $14,820 Building $90,570
2024	$924.00
2022	$997.00	$25,940 Land $3,650 Building $22,290	$77,898 Land $10,961 Building $66,937

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

Flood

FEMA has no flood map on file for 246 Ladd St; there have been 10 flood claims nearby since 1979.

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	1 in force
Nearby Flood Claims	10 (1979–1986)
Most Recent Claim	Oct 1986 · river or lake flooding

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 246 Ladd St 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	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 525 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wisper ISP.

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