116 James Dr, Troy, IL 62294 Property Records

Madison County property record for 116 James Dr, Troy, IL 62294

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 1979
Lot Size	0.309 acres (13,500 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2004)
Tax Bill	$4,192 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2017 Mortgage
APN	`09-2-22-10-05-102-003`

Property Details

APN / Parcel Number

Primary APN	`09-2-22-10-05-102-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,892 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	135 ft deep x 100 ft wide
Garage Type	Attached
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	116 JAMES DR
City	TROY
State	IL
Zip	62294-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANAHANS 4TH ADD LOT 79 100X135
Legal Subdivision	LANAHANS FOURTH ADDN
Legal Lot Number	79
Jurisdiction	MADISON IL
Township / Civil Division	JARVIS
Census Block Group	1
Census Block	1027
Census Tract	403531

Owner

116 James Dr is owned and occupied by an individual who bought it in September 2004.

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

Owner of Record	Individual Name on File
Mailing Address	116 JAMES DR, TROY, IL 62294-1714
Occupancy	Owner Occupied
Owner Type	Individual

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 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage COLLINSVILLE BUILDING & LOAN
Dec 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage COLLINSVILLE BLDG & LN ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2004 · Amount on File
Deed Sale	Sep 16, 2004 · Amount on File
Prior Sale	Jul 15, 2004 · Amount on File
Deed Document Number	200455842
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	116 JAMES DR, TROY, IL 62294-1714
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021100
Date	May 17, 2021
Instrument	2021R21100

Lender

Name	COLLINSVILLE BUILDING & LOAN
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2031

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	116 JAMES DR, TROY, IL 62294-1714
Document Number	0000042844
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 17, 2018
Title Company	ABSTRACTS AND TITLES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	116 JAMES DR TROY IL 622941714, TROY, IL 62294-1714

Mortgage

Document Number	0000042844
Date	Dec 19, 2017
Instrument	42844

Lender

Name	COLLINSVILLE BLDG & LN ASSN
Type	Funding / Finance Company
Address	COLLINSVILLE, IL 62234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 18, 2027

Interest

Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 116 James Dr was $4,192 with exemptions applied, up 7.6% 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	$4,192.00 (+7.63%)	$71,590 Land $13,620 Building $57,970	$214,770 Land $40,860 Building $173,910
2024	$3,895.00
2022	$3,347.00	$55,810 Land $10,620 Building $45,190	$167,598 Land $31,892 Building $135,706

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 116 James Dr; 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

Wildfire risk around 116 James Dr 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 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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