246 Oak Dr, Bethalto, IL 62010 Property Records

Madison County property record for 246 Oak Dr, Bethalto, IL 62010

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,560 sqft · built 1949
Lot Size	0.973 acres (42,374 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jun 2025)
Tax Bill	$3,256 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jul 2021 Mortgage + 2 more
APN	`15-2-09-08-04-403-006`

Property Details

APN / Parcel Number

Primary APN	`15-2-09-08-04-403-006`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	42,374 sqft (0.973 acres)
Lot Dimensions	224 ft deep x 189 ft wide
Garage Type	Detached
Garage Area	1 sqft
Parking Spaces	2 Parking Spaces
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	246 OAK DR
City	BETHALTO
State	IL
Zip	62010-2256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH MEADOWBROOK LOTS 87 & 88 189 X 224.2 IRREGULAR
Legal Subdivision	SOUTH MEADOWBROOK
Legal Lot Number	87-88
Jurisdiction	MADISON IL
Township / Civil Division	FORT RUSSELL
Census Block Group	1
Census Block	1030
Census Tract	402803

Owner

246 Oak Dr is owned and occupied by two individuals who bought it in June 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	246 OAK DR, BETHALTO, IL 62010-2256
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage CU AMERICA FINANCIAL SERVICES
Jul 7, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Jun 22, 2020	Loan Modification, Mortgage · Conventional Mortgage FLAGSTAR BK
Mar 14, 2018	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE MAKERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2025 · Amount on File
Deed Sale	Jun 17, 2025 · Amount on File
Prior Sale	Mar 14, 2018
Deed Document Number	202516333
Prior Transfer Date	Jun 13, 2025
Prior Transfer Doc	0000016333
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	246 OAK DR, BETHALTO, IL 62010-2256
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004929
Date	Feb 26, 2024
Instrument	2024R04929

Lender

Name	CU AMERICA FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.75%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	246 OAK DR, BETHALTO, IL 62010-2256
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028563
Date	Jul 7, 2021
Instrument	2021R28563

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	246 OAK DR, BETHALTO, IL 62010-2256
Document Number	0000024711
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	246 OAK DR BETHALTO IL 620102256, BETHALTO, IL 62010-2256

Mortgage

Document Number	0000024711
Date	Jul 22, 2020
Instrument	24711

Lender

Name	FLAGSTAR BK
Type	Bank
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2050

Interest

Rate	3.62%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IL
Recording Date	Mar 14, 2018
Property Address	246 OAK DR, BETHALTO, IL 62010-2256
Document Number	0000007643
Instrument Date	Mar 9, 2018
Instrument	7643
Transaction Type	Transfer
Record Updated	Aug 6, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	246 OAK DR BETHALTO IL 620102256, BETHALTO, IL 62010-2256

Mortgage

Document Number	7644
Date	Mar 14, 2018
Instrument	7644

Lender

Name	MORTGAGE MAKERS
Type	Mortgage Company
Address	EDWARDSVILLE, IL 62025

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2048

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 246 Oak Dr was $3,256 with a homeowner's exemption, up 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	Fort Russell Township
Unified School District	Bethalto Consolidated Unit School District 8 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,256.00 (+5.96%)	$57,200 Land $16,720 Building $40,480	$171,600 Land $50,160 Building $121,440
2024	$3,073.00
2022	$2,761.00	$45,880 Land $13,410 Building $32,470	$137,778 Land $40,270 Building $97,508

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 246 Oak Dr; there have been 2 flood claims nearby since 2002.

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	4 in force
Nearby Flood Claims	2 (2002–2003)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2003 · 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

Wildfire risk around 246 Oak Dr is low, with less than a 0.01% annual chance of 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	MEADOWBROOK PWD serves 1,778 people · EPA ID IL1195200
Water Source	Purchased groundwater from BETHALTO
Last State Inspection	Sep 2025
Lead	1 ppb (2025) 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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