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Single Family ResidenceResidential
$185,073$150 / 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 96How 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 $137,000 on Mar 18, 2008

676 PAYNE ST

WOOD RIVER, IL 62095
4
Beds
2
Baths
1,232 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1959
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$185K
$178K low$192K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$137,000 · Mar 18, 2008
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.$62,848
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$50,278
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.69%
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.$122,225
OLIN COMMUNITY CU · R · recorded May 5, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,663 (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.$47,760 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$6,470
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$41,290
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$44,080
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$143,280

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.39
39
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.30%

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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
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.1978
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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

Foreclosure Filings(2)

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 · 0.5 mi
E
Lewis-Clark Elementary SchoolC+
Elementary · Grades KG–5 · 0.5 mi
H
East Alton-Wood River High SchoolA+
High · Grades 9–12 · 0.7 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

676 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 more than 82% of homes in Wood River 62095
  • Costs more per square foot than 72% of homes in Wood River 62095
  • Bigger than 79% of homes in Wood River 62095
  • Has a bigger lot than 70% of homes in Wood River 62095
  • Newer than 74% 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
$34K$377K

This home is worth more than 82% 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$185,073
CheaperTypical $117,105Pricier

Pricier than 82% of homes nearby

Price per ft²$150
CheaperTypical $119Pricier

Pricier than 72% of homes nearby

Living area1,232 ft²
SmallerTypical 988 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.2 ac
SmallerTypical 0.16 acBigger

Bigger than 70% of homes nearby

Year built1959
OlderTypical 1944Newer

Newer than 74% of homes nearby

How 676 Payne St ranks against every home in each area.
MeasureThis homeWood River 62095Madison County
Estimated valuepricier than$185,07382% of homes51% of homes
Price per ft²pricier than$15072% of homes46% of homes
Living areabigger than1,232 ft²79% of homes60% of homes
Lot sizebigger than0.2 ac70% of homes36% of homes
Year builtnewer than195974% of homes43% of homes

About 676 Payne St

How much is 676 Payne St, Wood River, IL worth?

The TopHap Estimate for 676 Payne St, Wood River, IL is $185,073 as of Jul 14, 2026. The likely range is $177,753 to $192,393. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 676 Payne St, Wood River, IL last sell?

676 Payne St, Wood River, IL last sold on Mar 18, 2008 for $137,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 676 Payne St, Wood River, IL?

676 Payne St, Wood River, IL has 4 bedrooms, 2 bathrooms, 1,232 square feet of living space and a 0.20-acre lot.

When was 676 Payne St, Wood River, IL built?

676 Payne St, Wood River, IL was built in 1959, making it 67 years old. It is a conventional home. The building has 1 story.

What schools serve 676 Payne St, Wood River, IL?

676 Payne St, 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 676 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 82% of them ($185,073 against a typical $117,105), its price per square foot is higher than 72% of them ($150 against a typical $119), it is bigger than 79% of them (1,232 ft² against a typical 988 ft²), its lot is bigger than 70% of them (0.2 ac against a typical 0.16 ac) and it is newer than 74% of them (1959 against a typical 1944). Measured against all of Madison County, it is worth more than 51% 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 676 Payne St, Wood River, IL?

The 2025 property tax bill for 676 Payne St, Wood River, IL was $3,663. The county assessed it at $47,760.

More homes on Payne St

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Assigned schools

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