104 N Timber Ter, Troy, IL 62294 Property Records

Madison County property record for 104 N Timber Ter, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,723 sqft · built 2020
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$297,000 (Oct 2019)
Tax Bill	$1,308 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2020 Mortgage + 3 more
APN	`10-2-16-33-18-304-022`

Property Details

APN / Parcel Number

Primary APN	`10-2-16-33-18-304-022`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	104 N TIMBER TER
City	TROY
State	IL
Zip	62294-3322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOURTH ADDN TO THE NORTHWOODS AT PARK FOREST LOT 153 80 X 150
Legal Subdivision	FOURTH ADDN
Legal Lot Number	153
Jurisdiction	MADISON IL
Township / Civil Division	PIN OAK
Census Block Group	2
Census Block	2060
Census Tract	403701

Owner

104 N Timber Ter is owned and occupied by two individuals who bought it in October 2019.

Source: Madison County records, as of June 30, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	104 N TIMBER TER, TROY, IL 62294-3322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jul 1, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Oct 4, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Feb 6, 2019	Warranty Deed, Transfer · Construction Mortgage FCB BANKS
Sep 11, 2018	Quit Claim Deed, Transfer ABSTRACTS AND TITLES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2019 · Amount on File
Deed Sale	Oct 4, 2019 · Amount on File
Prior Sale	Feb 6, 2019 · Amount on File
Deed Document Number	201932065
Prior Transfer Date	Aug 28, 2018
Prior Transfer Doc	0000028365
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	104 N TIMBER TER, TROY, IL 62294-3322
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002512
Date	Jan 27, 2026
Instrument	2026R02512

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	104 N TIMBER TER, TROY, IL 62294-3322
Document Number	0000022870
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 N TIMBER TER TROY IL 622943322, TROY, IL 62294-3322

Mortgage

Document Number	0000022870
Date	Jul 9, 2020
Instrument	22870

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Oct 4, 2019
Property Address	104 N TIMBER TER, TROY, IL 62294-3322
Document Number	0000032065
Instrument Date	Sep 30, 2019
Instrument	32065
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 N TIMBER TER TROY IL 62294, TROY, IL 62294

Mortgage

Document Number	32066
Date	Oct 4, 2019
Instrument	32066

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Feb 6, 2019
Property Address	104 N TIMBER TER, TROY, IL 62294-3322
Document Number	0000004141
Map Reference	PC 65 PG 208
Instrument Date	Jan 25, 2019
Instrument	2019R04141
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ABSTRACTS & TITLES

Transaction

Amount	Amount on Record
Tax	$66.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10366 W ASTER RD, SAINT JACOB, IL 62281-1828
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004142
Date	Feb 6, 2019
Instrument	2019R04142

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON IL
Recording Date	Sep 11, 2018
Property Address	104 N TIMBER TER, TROY, IL 62294-3322
Document Number	0000028365
Instrument Date	Aug 28, 2018
Instrument	28365
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	ABSTRACTS AND TITLES INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7700 STONEBRIDGE GOLF DR MARYVILLE IL 620626450, MARYVILLE, IL 62062-6450

Tax Assessment & Valuation

The 2025 property tax bill for 104 N Timber Ter was $1,308 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Pin Oak Township
Municipality	Troy City
Unified School District	Triad Community Unit School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,308.00	$150,130 Land $23,350 Building $126,780	$450,390 Land $70,050 Building $380,340
2024	$1,308.00
2022	$1,308.00	$116,270 Land $18,090 Building $98,180	$349,159 Land $54,324 Building $294,835

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 104 N Timber Ter; there have been 2 flood claims nearby since 2009.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2009–2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2016 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 N Timber Ter is low, with less than 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	TROY serves 16,962 people · EPA ID IL1191000
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.69 mg/L (2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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