108 Prospect St, Troy, IL 62294 Property Records

Madison County property record for 108 Prospect St, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 416 sqft · built 1900
Lot Size	0.239 acres (10,447 sqft)
Owner	Individual Name on Record
Last Sale	$166,500 (Apr 2022)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Dec 2020 Loan Modification
APN	`09-2-22-09-11-201-020`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-09-11-201-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	416 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	10,447 sqft (0.239 acres)
Lot Dimensions	138 ft deep x 75 ft wide
Garage Area	2 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	108 PROSPECT ST
City	TROY
State	IL
Zip	62294-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MIZE WM ADD LOT PT 3 75.7X138
Legal Subdivision	MIZE WM ADDN
Legal Lot Number	3
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	2
Census Block	2012
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	Individual Name on Record
Mailing Address	108 PROSPECT ST, TROY, IL 62294-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Dec 8, 2020	Loan Modification, Mortgage BANK OF HILLSBORO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2022 · Amount on Record
Deed Sale	Apr 6, 2022 · Amount on Record
Prior Sale	Sep 25, 2009 · Amount on Record
Deed Document Number	202211881
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Apr 6, 2022
Property Address	108 PROSPECT ST, TROY, IL 62294-1415
Document Number	0000011881
Map Reference	PB 10 PG 2
Instrument Date	Mar 22, 2022
Instrument	2022R11881
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.75
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	108 PROSPECT ST, TROY, IL 62294-1415

Mortgage

Document Number	0000011882
Date	Apr 6, 2022
Instrument	2022R11882

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	4%

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	108 PROSPECT ST, TROY, IL 62294-1415
Document Number	0000001948
Instrument Date	Dec 8, 2020
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 NW 42ND CT CORAL SPRINGS FL 330652110, CORAL SPRINGS, FL 33065-2110

Mortgage

Document Number	0000001948
Date	Jan 12, 2021
Instrument	1948

Lender

Name	BANK OF HILLSBORO
Type	Bank
Address	HILLSBORO, IL 62049

Agreement

Term	36 Months
Due	Jan 11, 2024

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	$3,124.00 (+7.24%)	$51,160 (+28.28%) Land $12,650 Building $38,510	$153,480 (+28.16%) Land $37,950 Building $115,530
2024	$2,913.00 (-2.22%)
2022	$2,979.00	$39,880 Land $9,860 Building $30,020	$119,760 Land $29,610 Building $90,150

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 316 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, ClearWave.

Nearby Properties on Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures