350 Spencer St, Bethalto, IL 62010 Property Records

Madison County property record for 350 Spencer St, Bethalto, IL 62010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1950
Lot Size	0.247 acres (10,760 sqft)
Owner	Individual Name on Record
Tax Bill	$2,635 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2019 Loan Modification + 1 more
APN	`19-2-08-12-08-203-028`

Property Details

APN / Parcel Number

Primary APN	`19-2-08-12-08-203-028`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	10,760 sqft (0.247 acres)
Lot Dimensions	128 ft deep x 84 ft wide
Garage Type	Detached
Garage Area	1 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	350 SPENCER ST
City	BETHALTO
State	IL
Zip	62010-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHLAND GARDENS LITTLE FARMS LOT PT 45 84 X 128.1
Legal Subdivision	RICHLAND GARDENS
Legal Lot Number	45
Jurisdiction	MADISON IL
Township / Civil Division	WOOD RIVER
Census Block Group	1
Census Block	1023
Census Tract	401722

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	350 SPENCER ST, BETHALTO, IL 62010-1613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Oct 14, 2019	Loan Modification, Mortgage · FHA Mortgage M&T BK
Aug 7, 2017	Loan Modification, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	350 SPENCER ST, BETHALTO, IL 62010-1613
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013265
Date	Apr 19, 2022
Instrument	2022R13265

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	350 SPENCER ST, BETHALTO, IL 62010-1613
Document Number	0000038824
Instrument Date	Oct 14, 2019
Transaction Type	Mortgage
Record Updated	Dec 17, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	350 SPENCER ST BETHALTO IL 620101613, BETHALTO, IL 62010-1613

Mortgage

Document Number	0000038824
Date	Dec 2, 2019
Instrument	38824

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	350 SPENCER ST, BETHALTO, IL 62010-1613
Document Number	0000028999
Instrument Date	Aug 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	350 SPENCER ST BETHALTO IL 620101613, BETHALTO, IL 62010-1613

Mortgage

Document Number	0000028999
Date	Aug 29, 2017
Instrument	28999

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Tax Assessment & Valuation

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	$2,635.00 (+8.21%)	$43,960 (+25.96%) Land $3,400 Building $40,560	$131,880 (+25.83%) Land $10,200 Building $121,680
2024	$2,435.00 (+11.04%)
2022	$2,193.00	$34,900 Land $2,700 Building $32,200	$104,805 Land $8,108 Building $96,697

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	1 (1985)
Most Recent Claim	Jun 1985 · tidal / storm surge

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	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 486 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
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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