3115 Clay St, Alton, IL 62002 Property Records

Madison County property record for 3115 Clay St, Alton, IL 62002

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,150 sqft · built 1955
Lot Size	0.207 acres (9,023 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,004 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2021 Mortgage + 2 more
APN	`23-2-08-17-09-106-018`

Property Details

APN / Parcel Number

Primary APN	`23-2-08-17-09-106-018`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,150 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Shingle
Lot Area	9,023 sqft (0.207 acres)
Lot Dimensions	123 ft deep x 70 ft wide
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3115 CLAY ST
City	ALTON
State	IL
Zip	62002-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURNER ACRES ANNEX LOT 83 70 X 128.9 X IRR
Legal Subdivision	TURNER ACRES
Legal Lot Number	83
Jurisdiction	MADISON IL
Township / Civil Division	ALTON
Census Block Group	3
Census Block	3015
Census Tract	401500

Owner

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 Record
Mailing Address	3115 CLAY ST, ALTON, IL 62002-2010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDAMERICA CU
Apr 5, 2021	Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 19, 2018	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Feb 21, 2017	Warranty Deed, Transfer · FHA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2021
Deed Sale	Apr 5, 2021
Prior Sale	Feb 21, 2017 · Amount on Record
Deed Document Number	202114740
Prior Transfer Date	Jun 1, 2020
Prior Transfer Doc	0000014740
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	3115 CLAY ST, ALTON, IL 62002-2010
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028114
Date	Aug 24, 2022
Instrument	2022R28114

Lender

Name	FIRST MIDAMERICA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2037

Interest

Rate Type	Fixed Rate

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON IL
Recording Date	Apr 5, 2021
Property Address	3115 CLAY ST, ALTON, IL 62002-2010
Document Number	0000014740
Map Reference	PB 24 PG 55
Instrument Date	Jun 1, 2020
Instrument	2021R14740
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3115 CLAY ST, ALTON, IL 62002-2010

Mortgage

Document Number	0000014741
Date	Apr 5, 2021
Instrument	2021R14741

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	3.5%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	3115 CLAY ST, ALTON, IL 62002-2010
Document Number	0000037250
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018
Title Company	COMMUNITY TITLE, COMMUNITY TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3115 CLAY ST ALTON IL 620022010, ALTON, IL 62002-2010

Mortgage

Document Number	0000037250
Date	Nov 28, 2018
Instrument	37250

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2048

Interest

Rate Type	Fixed Rate
Rate	4.99%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Feb 21, 2017
Property Address	3115 CLAY ST, ALTON, IL 62002-2010
Document Number	0000005986
Instrument Date	Feb 17, 2017
Instrument	5986
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	COMMUNITY TITLE, COMMUNITY TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1219 HAZEL DR ALTON IL 620022769, ALTON, IL 62002-2769

Mortgage

Document Number	5987
Date	Feb 21, 2017
Instrument	5987

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

Interest

Rate Type	Fixed Rate

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	$3,004.00 (+8.88%)	$37,530 (+35.39%) Land $3,190 Building $34,340	$112,590 (+35.25%) Land $9,570 Building $103,020
2024	$2,759.00 (+13.49%)
2022	$2,431.00	$27,720 Land $2,360 Building $25,360	$83,243 Land $7,087 Building $76,156

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	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

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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