404 Prospect St, Alton, IL 62002 Property Records

Madison County property record for 404 Prospect St, Alton, IL 62002

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,210 sqft · built 1900
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Tax Bill	$7,157 (2025)
Deeds & Mortgages	Mar 2026 Transfer May 2020 Line of Credit + 1 more
APN	`23-2-07-11-17-302-037`

Property Details

APN / Parcel Number

Primary APN	`23-2-07-11-17-302-037`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,210 sqft Living Area
Gross Area	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Siding
Construction Type	Frame
Roof Material	Shingle
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Terrain	Rolling
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	404 PROSPECT ST
City	ALTON
State	IL
Zip	62002-6155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALTON MFG COS ADD PROSPECT ST LOTS LOT 11 & PLOT 60X238 S IRR
Legal Subdivision	ALTON MFG COS ADDN
Legal Lot Number	11
Jurisdiction	MADISON IL
Township / Civil Division	ALTON
Census Block Group	1
Census Block	1019
Census Tract	402300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Christian Hill Historic District listed 1978 · 266 contributing resources · NRIS 78001165

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

404 Prospect St is owned and occupied by an individual who acquired it in March 2026.

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

Owner of Record	Individual Name on File
Mailing Address	404 PROSPECT ST, ALTON, IL 62002-6155
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
Mar 19, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 7, 2020	Deed of Trust, Mortgage · Line of Credit 1ST MIDAMERICA CU
Aug 14, 2019	Deed of Trust, Mortgage · Line of Credit 1ST MIDAMERICA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 13, 2026
Transfer Doc	0000007979
Record Updated	Sep 20, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MADISON IL
Recording Date	Mar 19, 2026
Property Address	404 PROSPECT ST, ALTON, IL 62002-6155
Document Number	0000007979
Map Reference	AR J PG 198
Instrument Date	Mar 13, 2026
Instrument	2026R07979
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 PROSPECT ST, ALTON, IL 62002-6155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 PROSPECT ST, ALTON, IL 62002-6155

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	404 PROSPECT ST, ALTON, IL 62002-6155
Document Number	0000017043
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	SERENITY TITLE AND ESCROW LIMITED, SERENITY TITLE & ESCROW LTD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 PROSPECT ST ALTON IL 620026155, ALTON, IL 62002-6155

Mortgage

Document Number	0000017043
Date	May 28, 2020
Instrument	17043

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	EAST ALTON, IL 62024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 27, 2035

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	404 PROSPECT ST, ALTON, IL 62002-6155
Document Number	0000027677
Instrument Date	Aug 14, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	SERENITY TITLE AND ESCROW LIMITED, SERENITY TITLE & ESCROW LTD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 PROSPECT ST ALTON IL 620026155, ALTON, IL 62002-6155

Mortgage

Document Number	0000027677
Date	Aug 29, 2019
Instrument	27677

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	EAST ALTON, IL 62024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 28, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 404 Prospect St was $7,157 with exemptions applied, up 10.3% 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	$7,157.00 (+10.29%) Homeowner's exemption Senior Citizen's exemption	$100,410 (+10.55%) Land $7,440 Building $92,970	$301,230 (+10.55%) Land $22,320 Building $278,910
2024	$6,489.00	$90,830 Land $6,730 Building $84,100	$272,490 Land $20,190 Building $252,300
2022	$5,541.00	$74,160 Land $5,500 Building $68,660	$222,703 Land $16,517 Building $206,186

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 404 Prospect St; there have been 17 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	17 (1978–2019)
Claims Outside the SFHA	2 of 17
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 5 claims

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 404 Prospect St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave.

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