112 S Main St, Troy, IL 62294 Property Records

Madison County property record for 112 S Main St, Troy, IL 62294

Property Summary

Property Type	Office Building
Details	1,040 sqft · built 1965
Lot Size	0.026 acres (1,155 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Aug 2021)
Tax Bill	$2,994 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2025 Mortgage + 2 more
APN	`09-2-22-09-07-204-026`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-09-07-204-026`

Interior

Building Area	1,040 sqft Total Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	1,155 sqft (0.026 acres)
Lot Dimensions	55 ft deep x 21 ft wide

Location & Zoning

Street Address	112 S MAIN ST
City	TROY
State	IL
Zip	62294-1408
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Legal Description	ORIGINAL TOWN LOT PT 3 21X55
Legal Subdivision	ORIGINAL TOWN
Legal Lot Number	3
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1040
Census Tract	403531

Owner

112 S Main St, a commercial property, is owned by a company that bought it in August 2021.

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

Owner of Record	Company Name on File
Mailing Address	112 S MAIN ST, TROY, IL 62294-1408
Owner Type	Company
Vesting	Company

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
May 27, 2026	Deed of Trust, Mortgage · Commercial Mortgage FCB BANK
Oct 15, 2025	Deed of Trust, Mortgage · Commercial Mortgage BANK OF PONTIAC
Aug 31, 2021	Warranty Deed, Transfer · Commercial Mortgage BANK OF PONTIAC
Feb 21, 2017	Warranty Deed, Transfer ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2021 · Amount on File
Deed Sale	Aug 31, 2021 · Amount on File
Prior Sale	Feb 21, 2017 · Amount on File
Deed Document Number	202136691
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	May 27, 2026
Property Address	112 S MAIN ST, TROY, IL 62294-1408
Document Number	0000014969
Instrument Date	May 26, 2026
Instrument	202614969
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014969,
Date	May 27, 2026
Instrument	202614969

Lender

Name	FCB BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	112 S MAIN ST, TROY, IL 62294-1408
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	FIRST AMERICAN TITLE, FATIC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028868
Date	Oct 15, 2025
Instrument	2025R28868

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Aug 31, 2021
Property Address	112 S MAIN ST, TROY, IL 62294-1408
Document Number	0000036691
Map Reference	PB 19 PG 39
Instrument Date	Aug 6, 2021
Instrument	2021R36691
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 S MAIN ST, TROY, IL 62294-1408

Mortgage

Document Number	0000036692
Date	Aug 31, 2021
Instrument	2021R36692

Lender

Name	BANK OF PONTIAC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Feb 21, 2017
Property Address	112 S MAIN ST, TROY, IL 62294-1408
Document Number	0000006147
Instrument Date	Feb 16, 2017
Instrument	6147
Transaction Type	Transfer
Record Updated	Apr 24, 2017
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES INC

Transaction

Amount	Amount on Record
Tax	$60.00
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	1000 WINDSOR CT EDWARDSVILLE IL 620254131, EDWARDSVILLE, IL 62025-4131

Tax Assessment & Valuation

The 2025 property tax bill for 112 S Main St was $2,994, up 6.2% 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	$2,994.00 (+6.21%)	$43,280 Land $3,270 Building $40,010	$129,840 Land $9,810 Building $120,030
2024	$2,819.00
2022	$2,520.00	$33,740 Land $2,550 Building $31,190	$101,322 Land $7,658 Building $93,664

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 112 S Main St; 2 flood insurance policies are in force nearby.

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

The area around 112 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, ClearWave.

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