415 Spencer St, Bethalto, IL 62010 Property Records

Madison County property record for 415 Spencer St, Bethalto, IL 62010

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1933
Lot Size	0.156 acres (6,800 sqft)
Owner	Individual Name on Record
Tax Bill	$2,149 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Sep 2019 Loan Modification
APN	`19-2-08-12-08-204-016`

Property Details

APN / Parcel Number

Primary APN	`19-2-08-12-08-204-016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,800 sqft (0.156 acres)
Lot Dimensions	136 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	2 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	415 SPENCER ST
City	BETHALTO
State	IL
Zip	62010-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHLAND GARDENS LITTLE FARMS LOT PT 57 50 X 136
Legal Subdivision	RICHLAND GARDENS
Legal Tract	57
Legal Lot Number	57
Jurisdiction	MADISON IL
Township / Civil Division	WOOD RIVER
Census Block Group	2
Census Block	2015
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	114 WOODCREST DR, BETHALTO, IL 62010-2196
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Deed of Trust, Mortgage · Line of Credit BUENA VISTA NATIONAL BANK
Sep 30, 2019	Loan Modification, Mortgage · Conventional Mortgage FIRST NAT'L BK/STAUNTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 27, 2012
Transfer Doc	0000001974
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	415 SPENCER ST, BETHALTO, IL 62010-1729
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002363
Date	Jan 26, 2023
Instrument	2023R02363

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Dec 21, 2025

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	415 SPENCER ST, BETHALTO, IL 62010-1729
Document Number	0000032344
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 SPENCER ST BETHALTO IL 620101729, BETHALTO, IL 62010-1729

Mortgage

Document Number	0000032344
Date	Oct 8, 2019
Instrument	32344

Lender

Name	FIRST NAT'L BK/STAUNTON
Type	Bank
Address	STAUNTON, IL 62088-0059

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Oct 7, 2022

Interest

Rate	4.35%

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	$2,149.00 (+6.81%)	$30,960 (+8.37%) Land $2,670 Building $28,290	$92,880 (+8.37%) Land $8,010 Building $84,870
2024	$2,012.00 (+7.94%)	$28,570 (+16.28%) Land $2,460 Building $26,110	$85,710 (+16.16%) Land $7,380 Building $78,330
2022	$1,864.00	$24,570 Land $2,110 Building $22,460	$73,783 Land $6,336 Building $67,447

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 Claims	7 (1979–1983)
Most Recent Claim	May 1983 · 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

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

Provider	Max Down / Up (Mbps)
ClearWave Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wisper ISP.

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