322 Silver St, Bethalto, IL 62010 Property Records

Madison County property record for 322 Silver St, Bethalto, IL 62010

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 925 sqft · built 1958
Lot Size	0.228 acres (9,945 sqft)
Owner	Individual Name on File
Last Sale	$134,000 (Sep 2025)
Tax Bill	$3,062 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jan 2021 Sale & Mortgage
APN	`19-2-08-01-18-302-021`

Property Details

APN / Parcel Number

Primary APN	`19-2-08-01-18-302-021`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	925 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	9,945 sqft (0.228 acres)
Lot Dimensions	132 ft deep x 75 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	322 SILVER ST
City	BETHALTO
State	IL
Zip	62010-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALBERS PLACE LOT 36 75X132.6 IRR
Legal Subdivision	ALBERS PLACE
Legal Lot Number	36
Jurisdiction	MADISON IL
Township / Civil Division	WOOD RIVER
Census Block Group	2
Census Block	2043
Census Tract	401721

Owner

322 Silver St is owned and occupied by an individual who bought it in September 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	Individual Name on File
Mailing Address	322 SILVER ST, BETHALTO, IL 62010-1420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE
Jan 4, 2021	Warranty Deed, Transfer · FHA Mortgage HIGHLAND RESIDENTIAL MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2025 · Amount on File
Deed Sale	Sep 29, 2025 · Amount on File
Prior Sale	Jan 4, 2021 · Amount on File
Deed Document Number	202527151
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Sep 29, 2025
Property Address	322 SILVER ST, BETHALTO, IL 62010-1420
Document Number	0000027151
Map Reference	PB 23 PG 112
Instrument Date	Sep 24, 2025
Instrument	2025R27151
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201.00
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	322 SILVER ST, BETHALTO, IL 62010-1420

Mortgage

Document Number	0000027152
Date	Sep 29, 2025
Instrument	2025R27152

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.38%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jan 4, 2021
Property Address	322 SILVER ST, BETHALTO, IL 62010-1420
Document Number	0000000103
Map Reference	PB 23 PG 112
Instrument Date	Dec 29, 2020
Instrument	2021R00103
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12001 N CENTRAL EXPY STE 750, 750, DALLAS, TX 75243-3776

Mortgage

Document Number	0000000104
Date	Jan 4, 2021
Instrument	2021R00104

Lender

Name	HIGHLAND RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 322 Silver St was $3,062, up 6.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Bethalto Village
County	Madison County
County Subdivision	Wood River 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	$3,062.00 (+6.76%)	$44,110 (+8.35%) Land $4,690 Building $39,420	$132,330 (+8.35%) Land $14,070 Building $118,260
2024	$2,868.00	$40,710 Land $4,330 Building $36,380	$122,130 Land $12,990 Building $109,140
2022	$2,250.00	$35,650 Land $3,730 Building $31,920	$107,057 Land $11,201 Building $95,856

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 322 Silver St; there have been 5 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	4 in force
Nearby Flood Claims	5 (1979–2016)
Most Recent Claim	Jul 2016 · rainfall accumulation

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 322 Silver St 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	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 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave, Wisper ISP.

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