654 Frederick St, Edwardsville, IL 62025 Property Records

Madison County property record for 654 Frederick St, Edwardsville, IL 62025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 182 sqft · built 1940
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Jul 2025)
Tax Bill	$4,589 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Jul 2025 Sale & Mortgage
APN	`14-2-15-02-20-402-035`

Property Details

APN / Parcel Number

Primary APN	`14-2-15-02-20-402-035`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	182 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	171 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	654 FREDERICK ST
City	EDWARDSVILLE
State	IL
Zip	62025-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EASTON SUBD LOT PT 21-22 100X210 S X IRR
Legal Subdivision	EASTON SUBD
Legal Lot Number	21-22
Jurisdiction	MADISON IL
Township / Civil Division	EDWARDSVILLE
Census Block Group	2
Census Block	2048
Census Tract	402900

Owner

654 Frederick St is owned and occupied by two individuals who bought it in July 2025.

Source: Madison County records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 FREDERICK ST, EDWARDSVILLE, IL 62025-1223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2024	Deed of Trust, Mortgage · Line of Credit FCB BANKS
Jul 9, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST MIDAMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2025 · Amount on File
Deed Sale	Jul 9, 2025 · Amount on File
Deed Document Number	202518547
Prior Transfer Date	Oct 28, 2015
Prior Transfer Doc	0000038377
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	654 FREDERICK ST, EDWARDSVILLE, IL 62025-1223
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025538
Date	Sep 17, 2024
Instrument	2024R25538

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jul 9, 2025
Property Address	654 FREDERICK ST, EDWARDSVILLE, IL 62025-1223
Document Number	0000018547
Map Reference	PB 6 PG 60
Instrument Date	Jun 26, 2025
Instrument	2025R18547
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.50
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
Address	654 FREDERICK ST, EDWARDSVILLE, IL 62025-1223

Mortgage

Document Number	0000018548
Date	Jul 9, 2025
Instrument	2025R18548

Lender

Name	FIRST MIDAMERICA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	11%
Index	Other
Max Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 654 Frederick St was $4,589 with a homeowner's exemption, up 7.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Edwardsville Township
Unified School District	Edwardsville Community Unit School District 7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,589.00 (+7.5%)	$83,690 Land $7,070 Building $76,620	$251,070 Land $21,210 Building $229,860
2024	$4,269.00
2022	$3,678.00	$67,210 Land $5,680 Building $61,530	$201,832 Land $17,057 Building $184,775

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

FEMA has no flood map on file for 654 Frederick 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.

Wildfire

Wildfire risk around 654 Frederick St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	EDWARDSVILLE serves 26,808 people · EPA ID IL1190250
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (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	1 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 225 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Madison Communications, Verizon, Wisper ISP.

Nearby Properties on Frederick St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures