105 Turtle Crk, Troy, IL 62294 Property Records

Madison County property record for 105 Turtle Crk, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,218 sqft · built 1998
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$182,000 (May 2017)
Tax Bill	$4,809 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2017 Sale & Mortgage
APN	`09-2-22-16-07-201-036`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-16-07-201-036`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,218 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum Siding
Construction Type	Frame
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	171 ft deep x 75 ft wide
Garage Type	Attached
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	105 TURTLE CRK
City	TROY
State	IL
Zip	62294-2477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TURTLE CREEK LOT 35 75 X 171.78 IRR
Legal Subdivision	TURTLE CREEK
Legal Lot Number	35
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1007
Census Tract	403532

Owner

105 Turtle Crk is owned and occupied by two individuals who acquired it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 TURTLE CRK, TROY, IL 62294-2477
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · VA Mortgage DELMAR FINANCIAL CO
May 3, 2017	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	May 14, 2012 · Amount on File
Deed Document Number	201714948
Last Transfer Date	Feb 14, 2025
Transfer Doc	0000004159
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	105 TURTLE CRK, TROY, IL 62294-2477
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMMUNITY TITLE SHILOH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023598
Date	Jul 14, 2020
Instrument	2020R23598

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	May 3, 2017
Property Address	105 TURTLE CRK, TROY, IL 62294-2477
Document Number	0000014948
Instrument Date	Apr 27, 2017
Instrument	14948
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 TURTLE CRK TROY IL 622942477, TROY, IL 62294-2477

Mortgage

Document Number	14949
Date	May 3, 2017
Instrument	14949

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 105 Turtle Crk was $4,809 with a homeowner's exemption, down 6.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Jarvis 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	$4,809.00 (-6.77%)	$96,400 Land $22,360 Building $74,040	$289,200 Land $67,080 Building $222,120
2024	$5,158.00
2022	$4,537.00	$66,740 Land $17,430 Building $49,310	$200,420 Land $52,342 Building $148,078

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 105 Turtle Crk; there have been 2 flood claims nearby since 2008.

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	3 in force
Nearby Flood Claims	2 (2008–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2024 · rainfall accumulation

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 105 Turtle Crk 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 206 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: AT&T.

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