Madison County property record for 1314 Rutledge Dr, Troy, IL 62294
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,760 sqft · built 2012 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $232,000 (Dec 2012) |
| Tax Bill | $9,741 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2021 Mortgage + 1 more |
| APN | 09-2-22-16-17-301-007 |
| Primary APN | 09-2-22-16-17-301-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,760 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 184 ft deep x 64.4 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1314 RUTLEDGE DR |
|---|---|
| City | TROY |
| State | IL |
| Zip | 62294-3648 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHARLESTON LOT 7 64.43 X 184.7 IRREGULAR |
| Legal Subdivision | CHARLESTON |
| Legal Lot Number | 7 |
| Jurisdiction | MADISON IL |
| Township / Civil Division | JARVIS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 403532 |
1314 Rutledge Dr is owned and occupied by an individual who bought it in December 2012.
Source: Madison County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1314 RUTLEDGE DR, TROY, IL 62294-3648 |
| 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.
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FCB BANK |
| May 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS |
| Apr 19, 2018 | Trustee's Deed, Construction Loan · Line of Credit FCB BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2012 · Amount on File |
| Deed Sale | Dec 27, 2012 · Amount on File |
| Prior Sale | Jan 5, 2012 · Amount on File |
| Deed Document Number | 201255341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Jul 31, 2026 |
| Property Address | 1314 RUTLEDGE DR, TROY, IL 62294-3648 |
| Document Number | 0000022178 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202622178 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 1314 RUTLEDGE DR, TROY, IL 62294-3648 |
| Document Number | 0000022178, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 202622178 |
| Name | FCB BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 1314 RUTLEDGE DR, TROY, IL 62294-3648 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Title Company | ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES |
| Name | Verified Name |
|---|
| Document Number | 0000019919 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 2021R19919 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Apr 19, 2018 |
| Property Address | 1314 RUTLEDGE DR, TROY, IL 62294-3648 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 11723 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 30, 2018 |
| Title Company | ABSTRACTS AND TITLES INC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1214 RUTLEDGE DR TROY IL 62294, TROY, IL 62294 |
| Document Number | 0000011723 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 11723 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | BELLEVILLE, IL 62220 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 18, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.55% |
The 2025 property tax bill for 1314 Rutledge Dr was $9,741 with a homeowner's exemption, up 6.5% from the year before.
Source: Madison County assessment roll, as of June 25, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,741.00 (+6.53%) | $146,800 Land $19,370 Building $127,430 | $440,400 Land $58,110 Building $382,290 |
| 2024 | $9,144.00 | ||
| 2022 | $6,942.00 | $114,440 Land $15,100 Building $99,340 | $343,663 Land $45,345 Building $298,318 |
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.
FEMA has no flood map on file for 1314 Rutledge Dr; 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 risk around 1314 Rutledge 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 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 217 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 |
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