107 James Dr, Troy, IL 62294 Property Records

Madison County property record for 107 James Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,144 sqft · built 1978
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$144,000 (Apr 2023)
Tax Bill	$3,418 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2023 Sale & Line of Credit + 1 more
APN	`09-2-22-10-05-102-012`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-10-05-102-012`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Patio Area	214 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	107 JAMES DR
City	TROY
State	IL
Zip	62294-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANAHANS 4TH ADD LOT 70 100X130
Legal Subdivision	LANAHANS FOURTH ADDN
Legal Lot Number	70
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1028
Census Tract	403531

Owner

Source: Madison County records, as of June 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	107 JAMES DR, TROY, IL 62294-1713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage FCB BANK
Apr 13, 2023	Warranty Deed, Transfer · Line of Credit FCB BANKS
Feb 1, 2020	Loan Modification, Mortgage · Conventional Mortgage FCB BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2023 · Amount on Record
Deed Sale	Apr 13, 2023 · Amount on Record
Prior Sale	Dec 30, 2014 · Amount on Record
Deed Document Number	20239456
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	Jul 1, 2026
Property Address	107 JAMES DR, TROY, IL 62294-1713
Document Number	0000018638
Instrument Date	Jun 20, 2026
Instrument	202618638
Transaction Type	Mortgage
Record Updated	Jul 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	107 JAMES DR, TROY, IL 62294-1713
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018638,
Date	Jul 1, 2026
Instrument	202618638

Lender

Name	FCB BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Apr 13, 2023
Property Address	107 JAMES DR, TROY, IL 62294-1713
Document Number	0000009456
Map Reference	PB 45 PG 22
Instrument Date	Apr 6, 2023
Instrument	2023R09456
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$216.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	107 JAMES DR, TROY, IL 62294-1713

Mortgage

Document Number	0000009457
Date	Apr 13, 2023
Instrument	2023R09457

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	107 JAMES DR, TROY, IL 62294-1713
Document Number	0000004642
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	107 JAMES DR TROY IL 622941713, TROY, IL 62294-1713

Mortgage

Document Number	0000004642
Date	Feb 10, 2020
Instrument	4642

Lender

Name	FCB BK
Type	Bank
Address	MARYVILLE, IL 62062

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,418.00 (+7.15%)	$66,460 (+51.39%) Land $13,840 Building $52,620	$199,380 (+51.24%) Land $41,520 Building $157,860
2024	$3,190.00 (+12.68%)
2022	$2,831.00	$43,900 Land $10,790 Building $33,110	$131,831 Land $32,402 Building $99,429

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

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	2 in force

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

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 271 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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