432 E Lorena Ave, Wood River, IL 62095 Property Records

Madison County property record for 432 E Lorena Ave, Wood River, IL 62095

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 702 sqft · built 1916
Lot Size	0.143 acres (6,250 sqft)
Owner	Company Name on Record
Last Sale	$20,000 (Jan 2019)
Tax Bill	$1,543 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2019 Sale & Construction Loan + 1 more
APN	`19-2-08-27-06-104-011`

Property Details

APN / Parcel Number

Primary APN	`19-2-08-27-06-104-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	702 sqft Living Area

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1930
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	432 E LORENA AVE
City	WOOD RIVER
State	IL
Zip	62095-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PENNINGS FREDERICK ADD LOT 4 50 X 125
Legal Subdivision	PENNINGS FREDERICK ADDN
Legal Lot Number	4
Jurisdiction	MADISON IL
Township / Civil Division	WOOD RIVER
Census Block Group	2
Census Block	2031
Census Tract	401102

Owner

Source: Madison County records, as of September 24, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3 CLOVER LN, SAINT CHARLES, MO 63301-0510
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Commercial Mortgage ILLINOIS BANK AND TRUST
Jan 16, 2019	Warranty Deed, Construction Loan · Construction Mortgage FCB BANKS
Jan 16, 2019	Trustee's Deed, Foreclosure MADISON COUNTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2019 · Amount on Record
Deed Sale	Jan 16, 2019 · Amount on Record
Prior Sale	Jan 16, 2019
Deed Document Number	20191771
Prior Transfer Date	Jan 10, 2019
Prior Transfer Doc	0000001770
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	Jul 31, 2026
Property Address	432 E LORENA AVE, WOOD RIVER, IL 62095-2122
Document Number	0000022073
Instrument Date	Jul 22, 2026
Instrument	202622073
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022073,
Date	Jul 31, 2026
Instrument	202622073

Lender

Name	ILLINOIS BANK AND TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 30, 2031

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jan 16, 2019
Property Address	432 E LORENA AVE, WOOD RIVER, IL 62095-2122
Document Number	0000001771
Map Reference	PB10 PG33
Instrument Date	Jan 14, 2019
Instrument	2019R01771
Transaction Type	Construction Loan
Record Updated	Apr 21, 2022
Title Company	MADISON COUNTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$30.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CLOVER LN, SAINT CHARLES, MO 63301-0510

Mortgage

Document Number	0000001772
Date	Jan 16, 2019
Instrument	2019R01772

Lender

Name	FCB BANKS

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MADISON IL
Recording Date	Jan 16, 2019
Property Address	432 E LORENA AVE, WOOD RIVER, IL 62095-2122
Document Number	0000001770
Instrument Date	Jan 10, 2019
Instrument	1770
Transaction Type	Foreclosure
Record Updated	Feb 14, 2019
Title Company	MADISON COUNTY TITLE

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 196 GLEN CARBON IL 620340196, GLEN CARBON, IL 62034-0196

Tax Assessment & Valuation

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Wood River Township
Municipality	Wood River City
Secondary School District	East Alton-Wood River Community High School District 14 (09 - 12)
Elementary School District	Wood River-Hartford Elementary School District 15 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,543.00 (+10.61%)	$17,630 (+144.52%) Land $5,270 Building $12,360	$52,890 (+144.27%) Land $15,810 Building $37,080
2024	$1,395.00 (+118.31%)
2022	$639.00	$7,210 Land $4,180 Building $3,030	$21,652 Land $12,553 Building $9,099

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 724 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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