445 Bluff St, Alton, IL 62002 Property Records

Madison County property record for 445 Bluff St, Alton, IL 62002 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 947 sqft · built 1905
Lot Size	0.11 acres (4,800 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Jul 2023)
Tax Bill	$4,724 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2020 Mortgage + 3 more
APN	`23-2-07-11-13-304-027`

Property Details

APN / Parcel Number

Primary APN	`23-2-07-11-13-304-027`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	947 sqft Living Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 48 ft wide
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	445 BLUFF ST
City	ALTON
State	IL
Zip	62002-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOULDS T L ADD LOT 3 48X100
Legal Subdivision	FOULDS T L ADDN
Legal Lot Number	3
Jurisdiction	MADISON IL
Township / Civil Division	ALTON
Census Block Group	1
Census Block	1017
Census Tract	402300

Owner

Source: Madison County records · APN 23-2-07-11-13-304-027

Assessment roll updated June 25, 2026 · Last verified July 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 File
Mailing Address	445 BLUFF ST, ALTON, IL 62002-6012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 17, 2020	Deed of Trust, Mortgage · Conventional with PMI ENDEAVOR CAP
Jan 15, 2020	Deed of Trust, Construction Loan · Construction Mortgage GAYLORD FNDG LLC
Dec 19, 2019	Grant Deed, Transfer TITLESTAR LLC
Aug 01, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Prior Sale	Dec 19, 2019 · Amount on Record
Deed Document Number	202317880
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jul 10, 2023
Property Address	445 BLUFF ST, ALTON, IL 62002-6012
Document Number	0000017880
Map Reference	PB 6 PG 74
Instrument Date	Jun 30, 2023
Instrument	2023R17880
Transaction Type	Transfer
Record Updated	Aug 02, 2023
Title Company	SERENITY TITLE AND ESCROW LLC, SERENITY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	445 BLUFF ST, ALTON, IL 62002-6012

Mortgage

Document Number	0000017881
Date	Jul 10, 2023
Instrument	2023R17881

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	445 BLUFF ST, ALTON, IL 62002-6012
Document Number	0000020365
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 09, 2020
Title Company	NETCO INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 BLUFF ST ALTON IL 620026012, ALTON, IL 62002-6012

Mortgage

Document Number	0000020365
Date	Jun 22, 2020
Instrument	20365

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	Jan 15, 2020
Property Address	445 BLUFF ST, ALTON, IL 62002-6012
Document Number	0000001813
Instrument Date	Dec 13, 2019
Instrument	1813
Transaction Type	Construction Loan
Record Updated	Jan 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 CHAPMAN ST EDWARDSVILLE IL 620251218, EDWARDSVILLE, IL 62025-1218

Mortgage

Document Number	0000001813
Date	Jan 15, 2020
Instrument	1813

Lender

Name	GAYLORD FNDG LLC
Address	23594 E ARKANSAS PL, AURORA, CO 80018-6016

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 14, 2021

Interest

Rate	10%

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MADISON IL
Recording Date	Dec 19, 2019
Property Address	445 BLUFF ST, ALTON, IL 62002-6012
Document Number	0000041108
Instrument Date	Dec 10, 2019
Instrument	41108
Transaction Type	Transfer
Record Updated	Jan 03, 2020
Title Company	TITLESTAR LLC

Transaction

Amount	Amount Recorded
Tax	$110.85
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 CHAPMAN ST EDWARDSVILLE IL 620251218, EDWARDSVILLE, IL 62025-1218

August 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MADISON IL
Recording Date	Aug 01, 2019
Property Address	445 BLUFF ST, ALTON, IL 62002-6012
Document Number	0000024068
Instrument Date	Jul 30, 2019
Instrument	24068
Transaction Type	Foreclosure
Record Updated	Aug 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated June 25, 2026 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,724.00 (+10.04%)	$65,020 (+35.43%) Land $4,080 Building $60,940	$195,060 (+35.29%) Land $12,240 Building $182,820
2024	$4,293.00 (+1.92%)
2022	$4,212.00	$48,010 Land $3,010 Building $45,000	$144,174 Land $9,039 Building $135,135

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171194023001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Jun 2019 · 5 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 328 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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