Madison County property record for 446 Prospect St, Wood River, IL 62095
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 932 sqft · built 1930 |
| Lot Size | 0.151 acres (6,579 sqft) |
| Owner | Individual Name on File |
| Last Sale | $77,000 (Nov 2014) |
| Tax Bill | $3,158 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Mar 2022 Mortgage + 1 more |
| APN | 19-2-08-22-19-402-028 |
| Primary APN | 19-2-08-22-19-402-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 932 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 6,579 sqft (0.151 acres) |
| Lot Dimensions | 153 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 446 PROSPECT ST |
|---|---|
| City | WOOD RIVER |
| State | IL |
| Zip | 62095-1751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DULANEYS NORTH ADD SUBD LOT 4 BLK 15 LOT 5 43 X 153 |
| Legal Subdivision | DULANEYS NORTH SUBD |
| Legal Block | 15 |
| Legal Lot Number | 4 |
| Jurisdiction | MADISON IL |
| Township / Civil Division | WOOD RIVER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 401102 |
446 Prospect St is owned and occupied by an individual who acquired it in June 2025.
Source: Madison County records, as of June 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 PROSPECT ST, WOOD RIVER, IL 62095-1751 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 25, 2025 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Mar 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2014 · Amount on File |
| Deed Sale | Nov 5, 2014 · Amount on File |
| Deed Document Number | 201435577 |
| Last Transfer Date | Jun 7, 2025 |
| Transfer Doc | 0000015811 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 446 PROSPECT ST, WOOD RIVER, IL 62095-1751 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000026850 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 2025R26850 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 446 PROSPECT ST, WOOD RIVER, IL 62095-1751 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006970 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 2022R06970 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 8, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 446 PROSPECT ST, WOOD RIVER, IL 62095-1751 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000049053 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 2021R49053 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | Dec 1, 2044 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 446 Prospect St was $3,158 with a homeowner's exemption, up 12.1% from the year before.
Source: Madison County assessment roll, as of June 25, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,158.00 (+12.11%) | $42,000 Land $4,380 Building $37,620 | $126,000 Land $13,140 Building $112,860 |
| 2024 | $2,817.00 | ||
| 2022 | $2,435.00 | $33,360 Land $3,480 Building $29,880 | $100,180 Land $10,450 Building $89,730 |
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.
FEMA has no flood map on file for 446 Prospect St.
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.
The area around 446 Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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