424 Spencer St, Bethalto, IL 62010 Property Records

Madison County property record for 424 Spencer St, Bethalto, IL 62010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 918 sqft · built 1940
Lot Size	0.177 acres (7,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (Oct 2020)
Tax Bill	$4,138 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2017 Mortgage + 2 more
APN	`19-2-08-12-08-203-022`

Property Details

APN / Parcel Number

Primary APN	`19-2-08-12-08-203-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	918 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	7,740 sqft (0.177 acres)
Lot Dimensions	129 ft deep x 60 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	424 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 42 43 60X129 X IRR
Legal Subdivision	RICHLAND GARDENS
Legal Tract	42
Legal Lot Number	42
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	2 Individual Names on Record
Mailing Address	424 SPENCER ST, BETHALTO, IL 62010-1762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA
Jun 1, 2017	Deed of Trust, Mortgage · VA Mortgage BROKER SOLUTIONS INC
Oct 1, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA
Oct 1, 2020	Quit Claim Deed, Transfer COMMUNITY TITLE AND ESCROW LIMITED, COMMUNITY TITLE & ESCROW LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2020 · Amount on Record
Deed Sale	Oct 1, 2020 · Amount on Record
Prior Sale	Oct 22, 2012 · Amount on Record
Deed Document Number	202034928
Prior Transfer Date	Sep 16, 2020
Prior Transfer Doc	0000034927
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	424 SPENCER ST, BETHALTO, IL 62010-1762
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022048
Date	May 24, 2021
Instrument	2021R22048

Lender

Name	FIRST MID ILLINOIS BK & TR NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	424 SPENCER ST, BETHALTO, IL 62010-1762
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018165
Date	Jun 1, 2017
Instrument	2017R18165

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2047

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Oct 1, 2020
Property Address	424 SPENCER ST, BETHALTO, IL 62010-1762
Document Number	0000034928
Map Reference	PB 17 PG 16 & 17
Instrument Date	Sep 28, 2020
Instrument	2020R34928
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.50
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	300 SAINT LOUIS ST, EDWARDSVILLE, IL 62025-1945

Mortgage

Document Number	0000034929
Date	Oct 1, 2020
Instrument	2020R34929

Lender

Name	FIRST MID ILLINOIS BK & TR NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IL
Recording Date	Oct 1, 2020
Property Address	424 SPENCER ST, BETHALTO, IL 62010-1762
Document Number	0000034927
Instrument Date	Sep 16, 2020
Instrument	34927
Transaction Type	Transfer
Record Updated	Oct 12, 2020
Title Company	COMMUNITY TITLE AND ESCROW LIMITED, COMMUNITY TITLE & ESCROW LTD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	931 SCHWARZ RD EDWARDSVILLE IL 620252471, EDWARDSVILLE, IL 62025-2471

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	$4,138.00 (+7.68%)	$65,610 (+80.05%) Land $5,110 Building $60,500	$196,830 (+79.87%) Land $15,330 Building $181,500
2024	$3,843.00 (+66.36%)
2022	$2,310.00	$36,440 Land $4,060 Building $32,380	$109,429 Land $12,192 Building $97,237

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

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 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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