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Single Family ResidenceResidential
$88,266$100 / 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 88How 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

643 E PENNING AVE

WOOD RIVER, IL 62095
2
Beds
2
Baths
884 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$88K
$78K low$99K high
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.$7,026
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$5,621
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.85%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$67,240
1ST MIDAMERICA CU · 2.5% · recorded Aug 11, 2020
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$14,000
FIRST NATIONAL BANK STAUNTON

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,940 (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.$28,080 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,940
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$22,140
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$25,910
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$84,240

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.31
1
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.

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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1940
Lot (acres)The size of the land the home sits on, from county records.0.14
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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
Lewis-Clark Jr High SchoolC-
Middle · Grades 6–8 · 0.2 mi
E
Lewis-Clark Elementary SchoolC+
Elementary · Grades KG–5 · 0.2 mi
H
East Alton-Wood River High SchoolA+
High · Grades 9–12 · 0.9 mi

District: Wood River-Hartford Elementary School District 15

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.Owner occupied
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

643 E Penning Ave 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 82% of homes in Madison County
  • Costs less per square foot than 78% of homes in Madison County
  • Smaller than 78% of homes in Madison County
  • Has a smaller lot than 86% of homes in Madison County
  • Older than 89% of homes in Madison County

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
$35K$366K

This home is worth more than 27% 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$88,266
CheaperTypical $116,747Pricier

Pricier than 27% of homes nearby

Price per ft²$100
CheaperTypical $120Pricier

Pricier than 33% of homes nearby

Living area884 ft²
SmallerTypical 988 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.14 ac
SmallerTypical 0.16 acBigger

Bigger than 22% of homes nearby

Year built1925
OlderTypical 1945Newer

Newer than 25% of homes nearby

How 643 E Penning Ave ranks against every home in each area.
MeasureThis homeWood River 62095Madison County
Estimated valuepricier than$88,26627% of homes18% of homes
Price per ft²pricier than$10033% of homes22% of homes
Living areabigger than884 ft²33% of homes22% of homes
Lot sizebigger than0.14 ac22% of homes14% of homes
Year builtnewer than192525% of homes11% of homes

About 643 E Penning Ave

How much is 643 E Penning Ave, Wood River, IL worth?

The TopHap Estimate for 643 E Penning Ave, Wood River, IL is $88,266 as of Jul 14, 2026. The likely range is $77,753 to $98,779. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 E Penning Ave, Wood River, IL last sell?

643 E Penning Ave, Wood River, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 643 E Penning Ave, Wood River, IL?

643 E Penning Ave, Wood River, IL has 2 bedrooms, 2 bathrooms, 884 square feet of living space and a 0.14-acre lot.

When was 643 E Penning Ave, Wood River, IL built?

643 E Penning Ave, Wood River, IL was built in 1925, making it 101 years old. The building has 1 story.

What schools serve 643 E Penning Ave, Wood River, IL?

643 E Penning Ave, Wood River, IL is assigned to Lewis-Clark Jr High School (middle), rated C-; Lewis-Clark Elementary School (elementary), rated C+; East Alton-Wood River High School (high), rated A+. All sit in Wood River-Hartford Elementary School District 15. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 E Penning Ave, 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 27% of them ($88,266 against a typical $116,747), its price per square foot is higher than 33% of them ($100 against a typical $120), it is bigger than 33% of them (884 ft² against a typical 988 ft²), its lot is bigger than 22% of them (0.14 ac against a typical 0.16 ac) and it is newer than 25% of them (1925 against a typical 1945). Measured against all of Madison County, it is worth more than 18% 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 643 E Penning Ave, Wood River, IL?

The 2025 property tax bill for 643 E Penning Ave, Wood River, IL was $1,940. The county assessed it at $28,080.

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