3205 James Ter, Alton, IL 62002 Property Records

Madison County property record for 3205 James Ter, Alton, IL 62002

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 1998
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$129,000 (Apr 2007)
Tax Bill	$4,370 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2022 Mortgage + 2 more
APN	`23-2-08-06-16-402-029`

Property Details

APN / Parcel Number

Primary APN	`23-2-08-06-16-402-029`

Interior

Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Shingle
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	181 ft deep x 98.1 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3205 JAMES TER
City	ALTON
State	IL
Zip	62002-5553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADY GLEN SUBD FINAL PLAT LOT 2 98.05 X 181.57
Legal Subdivision	SHADY GLEN SUBD
Legal Lot Number	2
Jurisdiction	MADISON IL
Township / Civil Division	ALTON
Census Block Group	1
Census Block	1013
Census Tract	402000

Owner

3205 James Ter is owned and occupied by two individuals who acquired it in May 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	3205 JAMES TER, ALTON, IL 62002-5553
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
Feb 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Feb 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 22, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Oct 2, 2019	Deed of Trust, Mortgage · FHA Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2007 · Amount on File
Deed Sale	Apr 4, 2007 · Amount on File
Prior Sale	Jun 3, 2003 · Amount on File
Deed Document Number	200717562
Last Transfer Date	May 12, 2008
Transfer Doc	0000024969
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	3205 JAMES TER, ALTON, IL 62002-5553
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004124
Date	Feb 11, 2026
Instrument	2026R04124

Lender

Name	NEWREZ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2041

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	3205 JAMES TER, ALTON, IL 62002-5553
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004975
Date	Feb 11, 2022
Instrument	2022R04975

Lender

Name	CALIBER HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2042

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	3205 JAMES TER, ALTON, IL 62002-5553
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012474
Date	Mar 22, 2021
Instrument	2021R12474

Lender

Name	CALIBER HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	3205 JAMES TER, ALTON, IL 62002-5553
Document Number	0000032192
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3205 JAMES TER ALTON IL 620025553, ALTON, IL 62002-5553

Mortgage

Document Number	0000032192
Date	Oct 7, 2019
Instrument	32192

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 6, 2039

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 3205 James Ter was $4,370 with a homeowner's exemption, up 10.1% 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	$4,370.00 (+10.13%)	$60,600 Land $3,580 Building $57,020	$181,800 Land $10,740 Building $171,060
2024	$3,968.00
2022	$3,400.00	$44,760 Land $2,650 Building $42,110	$134,414 Land $7,958 Building $126,456

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 3205 James Ter; there have been 2 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	6 in force
Nearby Flood Claims	2 (1979–2024)
Most Recent Claim	Nov 2024 · 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 3205 James Ter 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 98% of the US · lower than 86% 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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