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Single Family ResidenceResidential
$123,102$102 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $75,000 on May 18, 2020

639 PAYNE ST

WOOD RIVER, IL 62095
3
Beds
1
Baths
1,212 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$123K
$111K low$135K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$75,000 · May 18, 2020
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$123,102
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$98,482

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,050 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$34,840 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$4,390
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$30,450
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$32,150
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$104,520

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.42
56
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
69
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
4
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMADISON
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 60 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Roxana Junior High SchoolB-
Middle · Grades 6–8 · 1.4 mi
H
Roxana Senior High SchoolA-
High · Grades 9–12 · 1.4 mi
E
South Primary School
Elementary · Grades PK–2 · 3.2 mi

District: Roxana Community Unit School District 1

Neighborhood · ZIP 62095These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.125
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.93
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.129

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.10,408
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,409 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$70,142
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$78,399
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

639 Payne St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 70% of homes in Madison County
  • Costs less per square foot than 77% of homes in Madison County
  • Bigger than 77% of homes in Wood River 62095
  • Has a smaller lot than 71% of homes in Madison County
  • Newer than 66% of homes in Wood River 62095

What homes are worth in Wood River 62095

Each bar is how many homes fall in that price range. The marker is this home.

This home
$40K$367K

This home is worth more than 54% of homes in Wood River 62095.

How it measures up in Wood River 62095

The dot is this home. The mark in the middle is the typical home in Wood River 62095.

Estimated value$123,102
CheaperTypical $117,177Pricier

Pricier than 54% of homes nearby

Price per ft²$102
CheaperTypical $120Pricier

Pricier than 34% of homes nearby

Living area1,212 ft²
SmallerTypical 988 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.18 ac
SmallerTypical 0.16 acBigger

Bigger than 60% of homes nearby

Year built1954
OlderTypical 1944Newer

Newer than 66% of homes nearby

How 639 Payne St ranks against every home in each area.
MeasureThis homeWood River 62095Madison County
Estimated valuepricier than$123,10254% of homes30% of homes
Price per ft²pricier than$10234% of homes23% of homes
Living areabigger than1,212 ft²77% of homes58% of homes
Lot sizebigger than0.18 ac60% of homes29% of homes
Year builtnewer than195466% of homes35% of homes

About 639 Payne St

How much is 639 Payne St, Wood River, IL worth?

The TopHap Estimate for 639 Payne St, Wood River, IL is $123,102 as of Jul 14, 2026. The likely range is $110,913 to $135,291. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 639 Payne St, Wood River, IL last sell?

639 Payne St, Wood River, IL last sold on May 18, 2020 for $75,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 639 Payne St, Wood River, IL?

639 Payne St, Wood River, IL has 3 bedrooms, 1 bathrooms, 1,212 square feet of living space and a 0.18-acre lot.

When was 639 Payne St, Wood River, IL built?

639 Payne St, Wood River, IL was built in 1954, making it 72 years old. The building has 1 story.

What schools serve 639 Payne St, Wood River, IL?

639 Payne St, Wood River, IL is assigned to Roxana Junior High School (middle), rated B-; Roxana Senior High School (high), rated A-; South Primary School (elementary). All sit in Roxana Community Unit School District 1. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 639 Payne St, Wood River, IL compare to other homes in Wood River 62095?

Among the 4,180 homes in Wood River 62095, it is worth more than 54% of them ($123,102 against a typical $117,177), its price per square foot is higher than 34% of them ($102 against a typical $120), it is bigger than 77% of them (1,212 ft² against a typical 988 ft²), its lot is bigger than 60% of them (0.18 ac against a typical 0.16 ac) and it is newer than 66% of them (1954 against a typical 1944). Measured against all of Madison County, it is worth more than 30% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 639 Payne St, Wood River, IL?

The 2025 property tax bill for 639 Payne St, Wood River, IL was $3,050. The county assessed it at $34,840.

Closest homes

More homes in Wood River 62095

Assigned schools

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