408 Spencer St, Bethalto, IL 62010 Property Records

Madison County property record for 408 Spencer St, Bethalto, IL 62010

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 974 sqft · built 1950
Lot Size	0.247 acres (10,749 sqft)
Owner	Individual Name on Record
Tax Bill	$1,831 (2025)
Deeds & Mortgages	Jan 2026 Transfer Aug 2018 Mortgage
APN	`19-2-08-12-08-203-024`

Property Details

APN / Parcel Number

Primary APN	`19-2-08-12-08-203-024`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	974 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	10,749 sqft (0.247 acres)
Lot Dimensions	129 ft deep x 83 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	408 SPENCER ST
City	BETHALTO
State	IL
Zip	62010-1762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHLAND GARDENS LITTLE FARMS LOT PT 43 83 X 129.5 IRR
Legal Subdivision	RICHLAND GARDENS
Legal Tract	43
Legal Lot Number	43
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	408 SPENCER ST, BETHALTO, IL 62010-1762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Transfer on Death Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Aug 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2026
Deed Sale	Jan 21, 2026
Prior Sale	Nov 19, 2003 · Amount on Record
Deed Document Number	20261950
Prior Transfer Date	Oct 20, 2003
Prior Transfer Doc	0000089146
Record Updated	Oct 29, 2026

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MADISON IL
Recording Date	Jan 21, 2026
Property Address	408 SPENCER ST, BETHALTO, IL 62010-1762
Document Number	0000001950
Map Reference	PB 17 PG 16 & 17
Instrument Date	Jan 21, 2026
Instrument	2026R01950
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 SPENCER ST, BETHALTO, IL 62010-1762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 SPENCER ST, BETHALTO, IL 62010-1762

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	408 SPENCER ST, BETHALTO, IL 62010-1762
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERENITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025319
Date	Aug 15, 2018
Instrument	2018R25319

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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	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	$1,831.00 (-25.6%) Homeowner's exemption	$39,380 (-8.29%) Land $4,650 Building $34,730	$118,140 (-8.29%) Land $13,950 Building $104,190
2024	$2,461.00 (+12.07%)	$42,940 (+16.24%) Land $4,290 Building $38,650	$128,820 (+16.13%) Land $12,870 Building $115,950
2022	$2,196.00	$36,940 Land $3,690 Building $33,250	$110,931 Land $11,081 Building $99,850

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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