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Single Family ResidenceResidential
$208,011$175 / 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

678 PAYNE ST

WOOD RIVER, IL 62095
5
Beds
2
Baths
1,188 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.
0.25 ac
Lot SizeThe size of the land the home sits on, from county records.
1962
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$208K
$183K low$233K 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.$107,011
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$85,609
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.46%
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.$101,000
AMERICAN EQUITY MORTGAGE INC · recorded Oct 14, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,983 (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.$60,430 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$9,220
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$51,210
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$55,770
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$181,290

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.40
46
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.11 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.1972
Lot (acres)The size of the land the home sits on, from county records.0.25
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, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

678 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 87% of homes in Wood River 62095
  • Costs more per square foot than 85% of homes in Wood River 62095
  • Bigger than 75% of homes in Wood River 62095
  • Has a bigger lot than 80% of homes in Wood River 62095
  • Newer than 80% 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
$37K$365K

This home is worth more than 87% 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$208,011
CheaperTypical $116,747Pricier

Pricier than 87% of homes nearby

Price per ft²$175
CheaperTypical $119Pricier

Pricier than 85% of homes nearby

Living area1,188 ft²
SmallerTypical 986 ft²Bigger

Bigger than 75% of homes nearby

Lot size0.25 ac
SmallerTypical 0.16 acBigger

Bigger than 80% of homes nearby

Year built1962
OlderTypical 1945Newer

Newer than 80% of homes nearby

How 678 Payne St ranks against every home in each area.
MeasureThis homeWood River 62095Madison County
Estimated valuepricier than$208,01187% of homes57% of homes
Price per ft²pricier than$17585% of homes58% of homes
Living areabigger than1,188 ft²75% of homes56% of homes
Lot sizebigger than0.25 ac80% of homes48% of homes
Year builtnewer than196280% of homes49% of homes

About 678 Payne St

How much is 678 Payne St, Wood River, IL worth?

The TopHap Estimate for 678 Payne St, Wood River, IL is $208,011 as of Jul 14, 2026. The likely range is $183,009 to $233,013. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 678 Payne St, Wood River, IL last sell?

678 Payne St, Wood River, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 678 Payne St, Wood River, IL?

678 Payne St, Wood River, IL has 5 bedrooms, 2 bathrooms, 1,188 square feet of living space and a 0.25-acre lot.

When was 678 Payne St, Wood River, IL built?

678 Payne St, Wood River, IL was built in 1962, making it 64 years old. It is a conventional home. The building has 1 story.

What schools serve 678 Payne St, Wood River, IL?

678 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 678 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 87% of them ($208,011 against a typical $116,747), its price per square foot is higher than 85% of them ($175 against a typical $119), it is bigger than 75% of them (1,188 ft² against a typical 986 ft²), its lot is bigger than 80% of them (0.25 ac against a typical 0.16 ac) and it is newer than 80% of them (1962 against a typical 1945). Measured against all of Madison County, it is worth more than 57% 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 678 Payne St, Wood River, IL?

The 2025 property tax bill for 678 Payne St, Wood River, IL was $2,983. The county assessed it at $60,430.

More homes on Payne St

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Assigned schools

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